Principal Software Engineer, Fintech

At T-Mobile, we invest in YOU! Our Total Rewards Package ensures that employees get the same big love we give our customers. All team members receive a competitive base salary and compensation package - this is Total Rewards. Employees enjoy multiple wealth-building opportunities through our annual stock grant, employee stock purchase plan, 401(k), and access to free, year-round money coaches. That’s how we’re UNSTOPPABLE for our employees!

Are you ready to shape the future of financial technology at the Un-carrier?

We’re building the next generation of payments, money movement, and digital financial services that serve millions of customers every day. As a Principal Software Engineer in Fintech, you’ll be a hands-on technical leader driving architecture, scalability, and innovation across real-time payment systems, data pipelines, and compliance-ready financial platforms.

You’ll mentor engineers, influence architecture across multiple domains, and ensure our systems are resilient, observable, and secure. You’ll partner with Product, Compliance, and Risk teams to deliver financial experiences that are fast, transparent, and trustworthy - all while embodying the bold, innovative spirit of the Un-carrier.

What You’ll Do

Technical Leadership

• Lead the architecture and implementation of scalable, event-driven financial systems supporting payments, settlements, and reconciliations.
• Drive adoption of modern Java microservice patterns using Spring Boot, RESTful APIs, and contract-first design (OpenAPI).
• Champion observability and production excellence - ensuring deep traceability, resilience, and performance across distributed systems.
• Mentor engineers across teams, establish best practices in design reviews, testing, and secure development.
• Partner with cross-functional leaders in Product, Compliance, and Security to align technology with business and regulatory needs.
• Serve as an expert resource in Fintech system design, security, and cloud-native delivery.

Technology Strategy

Innovation & Delivery

Documentation & Communication

What You Bring

Must-Have - Technology & Fintech Knowledge

Strong experience with Payments and Money Movement (e.g., ledgers, settlements, reconciliation, disputes).

Nice-to-Have - Broader Fintech Domain

Education & Experience

Why Join Us

At T-Mobile, innovation isn’t optional - it’s our identity. You’ll join a team where engineering excellence meets financial transformation. We’re redefining what’s possible in Fintech by combining carrier-scale systems, modern cloud architecture, and a culture built on transparency, ownership, and customer obsession.

Be part of something bold. Be Un-carrier.

Travel :

Travel Required (Yes / No) : Yes

DOT Regulated :

DOT Regulated Position (Yes / No) : No

Safety Sensitive Position (Yes / No) : No

Base Pay Range : $133,500 - $240,700

Corporate Bonus Target : 20%

The pay range above is the general base pay range for a successful candidate in the role. The successful candidate’s actual pay will be based on various factors, such as work location, qualifications, and experience, so the actual starting pay will vary within this range.

At T-Mobile, employees in regular, non-temporary roles are eligible for an annual bonus or periodic sales incentive or bonus, based on their role. Most Corporate employees are eligible for a year-end bonus based on company and / or individual performance and which is set at a percentage of the employee’s eligible earnings in the prior year. Certain positions in Customer Care are eligible for monthly bonuses based on individual and / or team performance. To find the pay range for this role based on hiring location, click here .

At T-Mobile, our benefits exemplify the spirit of One Team, Together! A big part of how we care for one another is working to ensure our benefits evolve to meet the needs of our team members. Full and part-time employees have access to the same benefits when eligible. We cover all of the bases, offering medical, dental and vision insurance, a flexible spending account, 401(k), employee stock grants, employee stock purchase plan, paid time off and up to 12 paid holidays - which total about 4 weeks for new full-time employees and about 2.5 weeks for new part-time employees annually - paid parental and family leave, family building benefits, back-up care, enhanced family support, childcare subsidy, tuition assistance, college coaching, short- and long-term disability, voluntary AD&D coverage, voluntary accident coverage, voluntary life insurance, voluntary disability insurance, and voluntary long-term care insurance. We don't stop there - eligible employees can also receive mobile service & home internet discounts, pet insurance, and access to commuter and transit programs! To learn about T-Mobile’s amazing benefits, check out www.t-mobilebenefits.com .

Never stop growing!

As part of the T-Mobile team, you know the Un-carrier doesn’t have a corporate ladder-it’s more like a jungle gym of possibilities! We love helping our employees grow in their careers, because it’s that shared drive to aim high that drives our business and our culture forward. By applying for this career opportunity, you’re living our values while investing in your career growth-and we applaud it. You’re unstoppable!

T-Mobile USA, Inc. is an Equal Opportunity Employer. All decisions concerning the employment relationship will be made without regard to age, race, ethnicity, color, religion, creed, sex, sexual orientation, gender identity or expression, national origin, religious affiliation, marital status, citizenship status, veteran status, the presence of any physical or mental disability, or any other status or characteristic protected by federal, state, or local law. Discrimination, retaliation or harassment based upon any of these factors is wholly inconsistent with how we do business and will not be tolerated.

Talent comes in all forms at the Un-carrier. If you are an individual with a disability and need reasonable accommodation at any point in the application or interview process, please let us know by emailing ApplicantAccommodation@t-mobile.com or calling 1-844-873-9500 . Please note, this contact channel is not a means to apply for or inquire about a position and we are unable to respond to non-accommodation related requests.