---
title: "Santosh Pandya - Principal Software Engineer in Pune Division | Tal"
description: "Meet Santosh Pandya, Mastercard Gateway | Agentic Commerce | Payments | Generative AI | Cloud Solution Architect | Tokenization | API Protocols | Security | PG Integration | VMware based in Pune Division. AI stack includes claude code, gemini, and github copilot."
image: "https://tal.club/meet/santosh-pandya/share-image"
---

# Santosh Pandya on Tal

## Headline

Mastercard Gateway \| Agentic Commerce \| Payments \| Generative AI \| Cloud Solution Architect \| Tokenization \| API Protocols \| Security \| PG Integration \| VMware

## About

Strategic Technology Leader \| Principal Solution Architect \| Team Builder & Visionary With over two decades in the tech industry and 12\+ years leading solution architecture, I specialize in guiding cross\-functional teams to deliver enterprise\-scale systems across Banking, Finance, Insurance, and Telecom\. My leadership style blends strategic vision with hands\-on mentorship, fostering cultures of innovation, accountability, and continuous growth\. I’m passionate about developing engineering talent, driving collaboration, and aligning technical direction with business outcomes\. My experience spans cloud\-native architecture, Open API integration, and enterprise governance—always with a focus on long\-term sustainability and operational excellence\. Whether leading transformation programs or evaluating emerging technologies, I bring clarity, purpose, and momentum to every initiative\. I believe in empowering teams, setting clear goals, and creating environments where creativity and performance thrive\.

## Location

Pune Division

## AI stack

claude code

gemini

github copilot

hugging face

mcp

openai

## Work experience

Principal Software Engineer at Mastercard, Mar 2024 \- Present · 2 yrs 6 mos, Pune, Maharashtra, India

Lead Software Engineer \- Solution Architecture at Mastercard, Nov 2021 \- Mar 2024 · 2 yrs 5 mos, India

Lead Software Engineer at Mastercard, Jan 2020 \- Nov 2021 · 1 yr 11 mos, Pune Area, India

Sr\. Module Lead at Avaya, Oct 2014 \- Jan 2020 · 5 yrs 4 mos

Team Lead at Synechron, 2012 \- 2014 · 2 yrs

Sr Consultant at Capgemini, 2010 \- Oct 2012 · 2 yrs 10 mos

## Education

Master of Computer Applications \- MCA, Computer and Information Sciences and Support Services, Gujarat University

[View the original profile](https://tal.club/meet/santosh-pandya)

```json
{
  "@context": "https://schema.org",
  "@graph": [
    {
      "@type": "Person",
      "@id": "https://tal.club/meet/santosh-pandya#person",
      "name": "Santosh Pandya",
      "url": "https://tal.club/meet/santosh-pandya",
      "image": "https://tal.club/meet/santosh-pandya/profile-photo.jpg",
      "description": "Meet Santosh Pandya, Mastercard Gateway | Agentic Commerce | Payments | Generative AI | Cloud Solution Architect | Tokenization | API Protocols | Security | PG Integration | VMware based in Pune Division. AI stack includes claude code, gemini, and github copilot.",
      "jobTitle": "Principal Software Engineer",
      "worksFor": {
        "@type": "Organization",
        "name": "Mastercard"
      },
      "hasOccupation": {
        "@type": "Occupation",
        "name": "Principal Software Engineer"
      },
      "homeLocation": {
        "@type": "Place",
        "name": "Pune Division"
      },
      "alumniOf": [
        {
          "@type": "EducationalOrganization",
          "name": "Gujarat University"
        }
      ],
      "knowsAbout": [
        "claude code",
        "gemini",
        "github copilot",
        "hugging face",
        "mcp",
        "openai"
      ],
      "mainEntityOfPage": {
        "@id": "https://tal.club/meet/santosh-pandya#webpage"
      }
    },
    {
      "@type": "ProfilePage",
      "@id": "https://tal.club/meet/santosh-pandya#webpage",
      "url": "https://tal.club/meet/santosh-pandya",
      "name": "Santosh Pandya on Tal",
      "description": "Meet Santosh Pandya, Mastercard Gateway | Agentic Commerce | Payments | Generative AI | Cloud Solution Architect | Tokenization | API Protocols | Security | PG Integration | VMware based in Pune Division. AI stack includes claude code, gemini, and github copilot.",
      "dateModified": "2026-08-03T08:53:38.562Z",
      "isPartOf": {
        "@id": "https://tal.club/#website"
      },
      "mainEntity": {
        "@id": "https://tal.club/meet/santosh-pandya#person"
      },
      "primaryImageOfPage": {
        "@type": "ImageObject",
        "url": "https://tal.club/meet/santosh-pandya/profile-photo.jpg",
        "contentUrl": "https://tal.club/meet/santosh-pandya/profile-photo.jpg",
        "caption": "Santosh Pandya profile photo on Tal"
      },
      "inLanguage": "en-IN"
    }
  ]
}
```