Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we’re helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential.

Senior Principal Software Engineer, R&D;

Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we’re helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential.

Mastercard is looking for a Senior Principal Software Development Engineer to join the Mastercard Foundry Research and Development team in our Toronto location. In this role, you will establish the technical direction for complex, early-stage products, drive architecture decisions across teams, and bring cutting-edge solutions to global markets at enterprise scale.

The Senior Principal Software

Engineer thrives on setting direction where product concepts are ambiguous, aligning engineering choices to commercial outcomes. 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.

As a Senior Principal Software Engineer on the R&D; team, you will be at the forefront of the design of complex, large-scale new product concepts spanning Mastercard’s business units.





Define highly scalable solution architectures for complex, early-stage product concepts across technology stacks, data platforms, and environments

Establish engineering best practices that accelerate responsible use of AI across solution architecture and software delivery, including patterns for AI-assisted development, evaluation, observability, and production readiness

Set technical direction for complex applications, interfaces, and integrations from concept through implementation, deployment, and release

Set technical strategy and lead architecture implementation for Data Platforms in Foundry R&D;, creating reusable patterns that can scale across products

Influence technical direction across R&D;, product, and technology teams, creating alignment on tradeoffs, delivery risks, and long-term platform choices

Identify high-impact technical risks, make architecture decisions under uncertainty, and design experiments or prototypes to de-risk product concepts before market validation

Act as a force multiplier for engineering excellence by coaching senior engineers, reviewing critical designs, raising quality standards, and creating technical practices that improve delivery

Hands-on experience architecting and building 0-to-1 applications using Generative AI, LLMs, or agentic patterns

Demonstrated ability to set technical strategy for complex initiatives, make architecture decisions under uncertainty, and influence senior technical and business stakeholders without direct authority

Deep experience with one or more modern AI frameworks and SDKs for agent orchestration, AI application development, or coding-agent workflows, such as LangGraph, OpenAI Agents SDK, or Codex SDK





Expertise in cloud platforms such as Databricks, Snowflake, AWS, and Azure

Strong working knowledge of AI/ML, data analytics, and data product development with emphasis on data quality, data privacy, and localization

Proven track record creating reusable architecture patterns, platforms, or engineering practices that accelerate delivery, reduce technical risk, or improve quality across an organization

Uses AI to innovate on and improve individual and team engineering practices

Expertise with Java, Spring Boot, React, Typescript, Postgres, and other object-oriented languages, front-end frameworks, and database technologies

Proven track record raising the technical capability of senior engineers and teams through coaching, design review, standards-setting, and technical leadership

Experience representing technical work through internal forums, external conferences, publications, open-source contributions, patents, or other thought leadership channels In the US or Canada, if you require accommodations or assistance to complete the online application process or during the recruitment process, please contact [email protected] not include any medical or health information in this email.

Corporate Security Responsibility

All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must:

Abide by Mastercard’s security policies and practices;

Report any suspected information security violation or breach, and 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. Toronto, Canada: $208,000 - $333,000 CAD #

📌 Senior Principal Software Engineer, R&D (Toronto)
🏢 Mastercard
📍 Toronto