Overview of Citi:
Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments, and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management.
As a bank with a brain and a soul, Citi creates economic value that is systemically responsible and in our clients’ best interests. As a financial institution that touches every region of the world and every sector that shapes your daily life, our Enterprise Operations & Technology teams are charged with a mission that rivals any large tech company. Our technology solutions are the foundations of everything we do from keeping the bank safe, managing global resources, and providing the technical tools our workers need to be successful to designing our digital architecture and ensuring our platforms provide a first-class customer experience. We reimagine client and partner experiences to deliver excellence through secure, reliable, and efficient services.
Our commitment to diversity includes a workforce that represents the clients we serve from all walks of life, backgrounds, and origins. We foster an environment where the best people want to work. We value and demand respect for others, promote individuals based on merit, and ensure opportunities for personal development are widely available to all. Ideal candidates are innovators with well-rounded backgrounds who bring their authentic selves to work and complement our culture of delivering results with pride. If you are a problem solver who seeks passion in your work, come join us. We’ll enable growth and progress together.
Overview of the Role:
The Applications Development Technology Senior Lead Analyst is a senior level position responsible for establishing and implementing new or revised application systems and programs in coordination with the Technology Team. The overall objective of this role is to lead applications systems analysis and programming activities.
Responsibilities:
- Lead the design and development of wealth-lending platforms (SBL, margin lending, structured credit), remaining actively hands-on in coding core APIs, distributed services, and orchestration components.
- Architect horizontally scalable, cloud-native APIs and microservices that support high-throughput lending workflows, real-time credit decisioning, margin evaluation, and lifecycle servicing.
- Design modular, event-driven systems that can be dynamically orchestrated through workflow engines and service choreography patterns to enable flexible product configuration and rapid iteration.
- Apply strong analytical thinking and fluid intelligence to decompose complex lending, collateral, margin, and regulatory requirements into clean domain models and extensible service boundaries.
- Establish engineering standards across system design, API contracts, resiliency patterns, observability, performance optimization, and secure coding practices.
- Guide the team through hands-on code reviews, architecture reviews, and technical mentoring, elevating distributed systems design and scalable service engineering practices.
- Ensure services are built for fault tolerance, idempotency, concurrency control, and horizontal elasticity across modern cloud environments.
- Partner closely with business, risk, and operations stakeholders to translate evolving lending strategies into scalable, compliant, and high-performance technology solutions.
Qualifications:
- 10+ years of relevant experience
- Experience in implementing projects
- Experience in systems analysis and programming of software applications
- Demonstrated Subject Matter Expert (SME) in area(s) of Applications Development
- Demonstrated knowledge of client core business functions
- Demonstrated leadership, project management, and development skills
- Relationship and consensus building skills
Education:
- Bachelor’s degree/University degree or equivalent experience
- Master’s degree preferred
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Job Family Group:
Technology------------------------------------------------------
Job Family:
Applications Development------------------------------------------------------
Time Type:
Full time------------------------------------------------------
Primary Location:
Jersey City New Jersey United States------------------------------------------------------
Primary Location Full Time Salary Range:
$176,720.00 - $265,080.00
In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.
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Most Relevant Skills
Please see the requirements listed above.------------------------------------------------------
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.------------------------------------------------------
Anticipated Posting Close Date:
Apr 27, 2026------------------------------------------------------
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.
Skills Required
- 10+ years of relevant experience
- Experience in implementing projects
- Experience in systems analysis and programming of software applications
- Demonstrated Subject Matter Expert (SME) in area(s) of Applications Development
- Demonstrated knowledge of client core business functions
- Demonstrated leadership, project management, and development skills
- Relationship and consensus building skills
Citi Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Citi and has not been reviewed or approved by Citi.
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Healthcare Strength — Benefits coverage is positioned as comprehensive, including health, dental, and vision insurance plus on-site clinics, prescription drug support, and disability coverage. Family-building support such as fertility assistance is described as a notable differentiator within the overall package.
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Retirement Support — Retirement benefits are framed as strong, highlighted by a 401(k) with matching and additional plan options like a Roth 401(k). Financial support is reinforced through discounts and broader financial guidance resources tied to the benefits ecosystem.
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Wellbeing & Lifestyle Benefits — Wellbeing support extends beyond insurance through programs like an Employee Assistance Program, counseling/legal resources, and gym or wellness reimbursement. These offerings increase the perceived total rewards value even when cash compensation sentiment varies by role.
Citi Insights
What We Do
Citi's mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress. Our core activities are safeguarding assets, lending money, making payments and accessing the capital markets on behalf of our clients. We have 200 years of experience helping our clients meet the world's toughest challenges and embrace its greatest opportunities. We are Citi, the global bank – an institution connecting millions of people across hundreds of countries and cities.
