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If it was the same CTC, I might have said JP.
However 7L is a decent chunk of money so Mastercard all the way here. MC is also an excellent firm, with a great work culture, smart folks, generally good WLB, generous leave policy and decent perks.
Could you share the job profiles you got in both firms?
It's also my first year here, but I heard from the folks that variable pay is usually paid out fully, if not more. Not much idea about the hikes yet