Dear Hiring Manager,

I am writing to express my interest in the Software Engineer II position at Mastercard, as

advertised. With a proven track record of building complex, scalable systems, I am excited about
the opportunity to contribute to Mastercard’s mission of connecting and powering an inclusive,
digital economy.

In my previous role, I successfully led a project that implemented advanced multi-touch

attribution analysis using Markov Chains, resulting in a 20% improvement in marketing
efficiency and a 15% increase in user engagement. My hands-on experience with Spring Boot
and a solid understanding of data structures and algorithms have equipped me with the skills
necessary to excel in this role. I am confident in developing high-quality API services to support
the Mastercard Open Banking Solution.

Key highlights of my qualifications include:

Problem-Solving Skills: Adept at identifying issues and devising effective solutions, as

demonstrated by my work on enhancing user acquisition and retention strategies, leading to a
25% increase in marketing efficiency.
Technical Proficiency: Extensive experience in C++ and Python, focusing on writing modular,
extensible, and performant code. My commitment to code quality and unit testing ensures robust
and reliable applications.
Collaboration and Communication: Proven ability to work effectively within cross-functional
teams, contributing to a shared vision and ensuring alignment with organizational goals. My
strong communication skills enable me to articulate complex technical concepts clearly and
effectively. I am dedicated to continuous learning and growth and eager to contribute to
Mastercard’s innovative solutions that make commerce safer, simpler, and more efficient for
everyone.

I am particularly drawn to Mastercard’s commitment to a culture of inclusion and the emphasis

on decency quotient (DQ). My diverse background and inclusive approach will enable me to
contribute positively to your team and help drive innovation and better business results.

Thank you for considering my application. I am excited about the possibility of discussing how
my skills and experiences align with Mastercard’s needs. I look forward to further elaborating on
how I can contribute to your team.

Sincerely,
Karthik ram Balu
IIT Gandhinagar Undergraduate