Lead Back-End Java Developer – Credit Risk Technology

Citi is looking for a Lead Back-End Java Developer (Apps Dev Tech Lead Analyst - C13) to join its Credit Risk Technology team, taking ownership of complex backend application development that directly supports risk management and financial decision-making at a global scale. In this senior individual contributor role, you will design and deliver enterprise-grade software solutions, set engineering standards, and guide a team of developers building the systems that underpin credit risk processes across one of the world's leading financial institutions. If you are a hands‑on technical leader who thrives in a demanding, high-impact engineering environment, this role offers the scope and influence to make a real difference.

Responsibilities:

• Design, develop, and deliver robust backend applications using Spring Boot, Hibernate, multithreading, and Oracle DB to support credit risk technology platforms.
• Define and enforce engineering standards for coding, testing, debugging, and deployment to maintain a high quality, production-ready codebase across the Credit Risk Technology team.
• Architect application solutions that align to the broader technology blueprint, ensuring scalability, maintainability, and alignment with enterprise and risk technology patterns.
• Conduct thorough code reviews and provide direct technical guidance to junior and mid-level developers, raising engineering capability across the team.
• Collaborate with multiple technology and business teams to identify system enhancements required to support new credit risk products and process improvements.
• Evaluate complex business and system processes to resolve high‑impact technical problems, delivering solutions that meet both functional and regulatory requirements within a credit risk context.
• Assess risk in engineering decisions with careful consideration for system integrity, regulatory compliance, and the protection of client data and assets.

Required Qualifications & Skills:

• 6 or more years of software engineering experience with a strong focus on Java backend application development and systems analysis.
• Deep practical expertise in Java, including multithreading, Spring Boot, and Hibernate, applied within large-scale enterprise application environments.
• Hands‑on experience with Oracle DB, including design and query optimization within enterprise-grade systems.
• Demonstrated ability to lead software delivery end‑to‑end, from technical design through to production deployment.
• Subject expertise in at least one domain of Java application development, with the ability to make independent technical decisions and guide others.
• Clear and precise written and verbal communication skills, with the ability to present technical decisions confidently to engineering teams, risk managers, traders, and financial controllers alike.
• Ability to build effective working relationships across teams, influencing peers and business partners to achieve shared technical and delivery goals.
• Self‑motivated and well‑organized, with the ability to work autonomously and deliver quality results within agreed timeframes in a fast‑moving environment.
• Comfortable working as part of a global team across multiple geographies and time zones, adapting priorities as circumstances evolve.

Beneficial Skills & Qualifications:

• Experience developing Java applications within a banking, financial services, or credit risk technology environment.
• Familiarity with credit risk concepts, risk data models, or regulatory reporting frameworks relevant to enterprise banking systems.
• Knowledge of rates or other financial derivatives products, or a clear willingness to develop expertise in this area.
• Exposure to architecture and infrastructure disciplines, with an understanding of how application design intersects with broader risk technology strategy.
• Master’s degree in computer science, engineering, or a related field.

What We Offer:

At Citi, you will join a global Credit Risk Technology team where your engineering decisions carry real weight. This role offers the opportunity to lead meaningful technical work, develop engineers around you, and build Java‑based systems that operate at the scale and complexity of one of the world's leading financial institutions, directly supporting how Citi manages credit risk across its global business.

A hybrid working model with 3 days in the office and 2 days working remotely, supporting flexibility and productivity.

Technical leadership visibility within a high‑profile risk technology function, with the autonomy to shape engineering standards and influence how the team builds and delivers software.

Opportunities to mentor and coach junior and mid‑level engineers, growing your impact beyond your own technical contribution.

Access to learning and development resources to deepen your expertise in both Java software engineering and financial risk technology.

Exposure to complex, high‑impact enterprise systems within credit risk, where your work directly supports critical business and regulatory operations.

Competitive compensation and a comprehensive benefits package, including financial wellbeing, wellbeing support, and family‑friendly policies.

Build the Java backend systems that power credit risk decisions at Citi.

Job Family Group: Technology

Job Family: Applications Development

Time Type: Full time

Primary Location Full Time Salary Range: $120,800.00 - $170,800.00

Automated Processing and AI We use automated processing, including artificial intelligence, for our legitimate business interests (or our reasonable and appropriate business purposes) to identify and align the candidate's skills and abilities with a specific job opening. Additionally, if you so choose, or consent, we can match your skills and abilities to other suitable roles at Citi. Importantly, all our hiring processes and decisions, including determining your suitability for a role, are conducted, checked, and decided by individuals. Our automated processing and AI do not involve relying on automatic or autonomous decision‑making. Please refer to any Jurisdictional Considerations, with specific provisions for your country (where relevant) for further details.

This job opening is for an existing job vacancy.

Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster.