Our Purpose

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.

Title and Summary

Vice President, Product Architect

Overview
The Real-Time Payments (RTP) team is seeking an experienced Product Architect (VP) to shape the functional architecture of our expanding Account-to-Account (A2A) Services portfolio. This role is pivotal in designing scalable, reusable service capabilities that leverage Mastercard’s existing assets and deliver exceptional customer and end-user experiences. The ideal candidate is passionate about architectural excellence, customer experience, and enabling rapid product delivery in a dynamic, global environment.

Role
In this strategic position, you will:
• Define the functional architecture for RTP A2A Services, ensuring modularity, scalability, and reusability across markets and propositions.
• Translate business and customer needs into clear functional specifications, service flows, and reusable design components.
• Map and refine user journeys and end-to-end service experiences for banks, fintechs, PSPs, merchants, and consumers.
• Leverage Mastercard assets (e.g., tokenisation, fraud services, settlement, authentication) to accelerate delivery and enhance solutions.
• Serve as a bridge between Product, Engineering, Architecture, Security, and Regional teams to ensure alignment from concept to delivery.
• Establish and maintain architectural standards, reusable patterns, and documentation for A2A Services.
• Provide guidance to Engineering teams during build, integration, and testing to ensure architectural integrity and compliance with Mastercard’s technology, security, and operational standards.

All About You
The ideal candidate for this position should:
• Demonstrate advanced expertise in product architecture, functional design, solution design, or product engineering within payments, banking, or financial technology.
• Possess strong knowledge of real-time payments, A2A services, open banking, payment schemes, or merchant/PSP payment flows.
• Show proven ability to create user journeys, process models, functional specifications, and service interaction flows.
• Be familiar with Mastercard services and platforms (e.g., fraud services, tokenisation, settlement, APIs, security frameworks).
• Influence cross-functional teams and drive alignment in a complex matrix environment.
• Communicate design choices clearly to senior stakeholders, engineers, and commercial teams.
• Deliver scalable, reusable service architectures across products or markets.
• Exhibit a customer-obsessed, analytical, and collaborative mindset, comfortable working in ambiguity and passionate about architectural excellence.

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;

• Ensure the confidentiality and integrity of the information being accessed;

• Report any suspected information security violation or breach, and

• Complete all periodic mandatory security trainings in accordance with Mastercard’s guidelines.