MasterCard

Principal Software Architect, AI

MasterCard$154K — $247K *
Enterprise Technology
5 - 7 years of experience
Job Overview by Ladders

Qualifications

  • 5-7 years of experience in software architecture and product development
  • Hands-on experience with Generative AI and large-scale applications
  • Proficiency in cloud platforms including Databricks, Snowflake, AWS, and Azure
  • Familiarity with AI/ML frameworks and agent orchestration SDKs
  • Strong communication and collaboration skills
  • Experience with Java, Spring Boot, React, and Typescript
  • Proven ability to mentor and lead technical teams

Responsibilities

  • Design scalable architectures for new product concepts
  • Influence AI adoption and innovation in solution architecture
  • Lead the technical strategy for Data Platforms
  • Oversee productionalization of AI systems ensuring best practices
  • Establish guidelines for responsible AI practices
  • Coach teams on AI and technical best practices
  • Implement complex applications and integrations from conception to release

Benefits

  • Opportunities for professional growth and development
  • Work in a dynamic, innovative team environment
  • Engagement with cutting-edge AI technologies
  • Participation in a discretionary annual incentive program
Full Job Description
Title and Summary

Principal Software Architect, AI

Overview:
Mastercard is looking for a talented Principal Software Architect to join the Mastercard Foundry Research and Development team in our Toronto location. In this role you will be part of a highly agile, AI native development team building innovative large-scale software platforms and solutions from ideation to release. Our team is built on a foundation of research and development, mining innovation internally, innovating new product lines with emerging technology, managing new products from inception to market validation and engaging strategically with start-ups to shape the future of commerce with and for our customers. At Mastercard you will help define the future of commerce globally.

About the Role:
As an architect on the R&D team, you will be at the forefront of the design of complex, large-scale data-oriented new product concepts. This is a hands-on role for an engineer who is deeply engaged in using Generative and Agentic AI through the full product development lifecycle. You will work on lean, high-performance pods to architect software solutions to rapidly evolving product concepts which heavily leverage Mastercard and other datasets. The team will rapidly experiment with and iterate on AI native ways of working. The team will rapidly experiment with and iterate on AI native ways of working.
We are looking for someone with deep experience designing large-scale customer-facing applications with significant data dependencies and significant experience leveraging AI in software architecture.

Responsibilities of the role include:
• Design highly scalable solution architectures for complex, early-stage product concepts across technology stacls, data platforms, and environments
• Be a cultural influencer in use, adoption, and innovation of AI in solution architecture and software engineering through all phases of the product development lifecycle
• Provide technical leadership on projects to architect, design, implement, deploy, and release complex applications, interfaces, and integrations
• Contribute significantly to the technical strategy and lead implementation of the architecture of Data Platforms in Foundry R&D
• Lead the productionalization of AI systems including observability, evaluation, and cost optimization
• Establish best practices for responsible AI, ensuring compliance, explainability and data privacy
• Coach teams on technical best practices and use of AI across the PDLC

All About You:
• Hands on experience architecting and building 0 -> 1 applications using Generative AI, LLMs, or agentic patterns
• Expertise leading the architecture, design, implementation, and release of complex products and applications
• Experience with one or more modern AI frameworks and SDKs for agent orchestration, AI application development, or coding-agent workflows (e.g., LangGraph, OpenAI Agents SDK, or Codex SDK)
• Expertise in cloud platforms such as Databricks, Snowflake, AWS, and Azure
• Knowledge of AI/ML, data analytics, and data product development with emphasis on data quality, data privacy, and localization
• Uses AI as part of daily engineering practice
• Brings both engineering depth and a product mindset
• Proficiency with Java, Spring Boot, React, Typescript, Postgres and other object-oriented languages, front-end frameworks, and database technologies
• Strong business acumen and ability to apply technology to solve business problem
• Excellent verbal and written communication and cross-functional collaboration skills
• Proven track record as a highly effective technical mentor

In line with Mastercard's total compensation philosophy and assuming that the job will be performed in Canada, the successful candidate will be offered a competitive pay based on location, experience and other qualifications for the role and may be eligible to participate in a discretionary annual incentive program. This posting reflects one or more current openings on our team.

Pay Ranges
Toronto, Canada: $154,000 - $247,000 CAD

About MasterCard

Transactis transforms traditional paper billing and payment processing by enabling businesses of all sizes to replace paper bills, statements, invoices, payments and documents with more efficient digital alternatives. Transactis goes to market exclusively with resellers—financial institutions, technology companies, printers and business process outsourcers—to provide their customers with secure, configurable, white-label, industry-leading SaaS solutions. More than a technology provider to resellers, Transactis is a full-service business partner, delivering a broad and deep suite of sales, marketing, technical and operational support, empowering resellers to more successfully serve their clients. Transactis meets the strictest regulatory and compliance requirements including HIPAA, SSAE 16, PCI Level 1, and SOC 2. Transactis’ investors include ff Venture Capital, MacAndrews & Forbes, Metamorphic Ventures, Safeguard Scientifics, StarVest Partners, Capital One, Fifth Third Bank, PNC, TD Bank and Wells Fargo.

MasterCard Careers

Joining MasterCard offers more than just a job opportunity; it's a gateway to a career infused with innovation, leadership, and growth. As a global leader in payment solutions, MasterCard is at the forefront of the digital economy, driving transformation in the fintech sector.

Work You’ll Do

At MasterCard, your work impacts the global economy. Our team is dedicated to shaping the future of commerce with advanced payment technologies and robust security measures. By joining our team, you will collaborate with some of the brightest minds in technology and business, contributing to projects that enhance how people pay and get paid across the world.

Innovate and Lead

MasterCard is synonymous with innovation. We encourage our professionals to lead with creativity and vision, supported by our substantial investments in technology and research. Our leadership in the digital payments space is not just about technology, but also about the innovative minds that drive our company forward.

Grow Your Career

Career growth at MasterCard is dynamic and rewarding. With a plethora of job opportunities ranging from internships to executive positions, your potential for advancement is limitless. Our commitment to professional development is evident through comprehensive leadership and diversity training programs that prepare you for the next steps in your career.

Be Part of Our Diverse Team

Diversity and inclusion are the bedrock of our company culture. MasterCard’s global team is rich in diverse perspectives, and we believe this is key to our innovation. By joining us, you become part of a culture that values every individual’s unique background and experiences.

Benefits and Culture

MasterCard is committed to supporting our employees’ well-being both inside and outside of work. Our benefits package is designed to enhance your life and help you build a rewarding career. From health and wellness programs to flexible working arrangements, we ensure that our team members are well taken care of.

Explore Job Opportunities

Whether you’re starting out with an internship or seeking a leadership role, MasterCard offers positions that challenge your skills and push you towards personal and professional achievements. Our hiring process is thorough, ensuring that we match the right talent to the right roles.

Networking and Professional Development

Networking at MasterCard goes beyond connecting with colleagues; it involves engaging with industry leaders and innovators who are shaping the future of commerce. Our employees have access to a wide range of networking events, workshops, and seminars that enhance their skills and career trajectories.

Join Our Team

Search open positions that match your skills and interests on the MasterCard Careers page. We are looking for passionate, curious, and innovative team players who are ready to make a difference in the world of digital payments.

Stay Connected

Keep up to date with career tips, insider perspectives, and industry-leading insights you can put to use today—all from the people who work here. MasterCard is not just a company; it’s a place where you can shape your future and the future of commerce worldwide.

Apply Now

Ready to take the next step in your career? Update your resume, prepare for your interview, and apply for a position at MasterCard. Discover the exciting and rewarding opportunities that await you in a career at one of the world’s leading financial technology companies.

MasterCard Jobs and Careers

Empower your professional journey with MasterCard, where innovation, leadership, and growth come together to create transformative career experiences. Join us and make your mark in the evolving landscape of digital payments.
Learn more about MasterCard
Size
24,000 employees
Market Cap
$330.8 billion
Industry
Net Income
$6.4 billion
Founded
1966
5 Year Trend
+11.9%
Revenue
$15.3 billion
NASDAQ

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