Citi is looking for an Intermediate Software Engineer to join its Consumer Operations Technology team and contribute to the design, development, and continuous improvement of critical application systems. In this role, you will work across the full development lifecycle — from analyzing system requirements and identifying enhancements to resolving vulnerabilities and supporting client-facing platforms. Your work will directly support the reliability, security, and performance of applications that matter to Citi's clients and operations.
Responsibilities
- Design and implement system enhancements by analyzing existing application code and applying scripting tools to address functional and technical requirements.
- Build and support customer-facing systems by consulting with users, clients, and technology teams to translate business needs into effective programming solutions.
- Develop application components using fundamental programming principles, contributing to design specifications across the software development lifecycle.
- Identify and remediate application vulnerabilities through structured security analysis, testing, and debugging to maintain system integrity.
- Diagnose and resolve application issues independently, applying technical experience and established precedents to implement effective, lasting solutions.
- Guide and coach junior analysts, sharing technical knowledge to strengthen team capability and delivery quality.
- Assess risk considerations in technical decisions, ensuring application changes align with compliance standards and safeguard Citi's systems and clients.
Required Qualifications & Skills
- 5+ years of experience in an applications development role within the financial services industry.
- Hands-on experience with SQL, Python, Java, ETL processes, and SQL Server for building and maintaining data-driven applications.
- Demonstrated ability to analyze complex problems, evaluate options, and implement practical solutions with limited supervision.
- Clear and concise written and verbal communication skills, with the ability to convey technical concepts to both technical and non-technical audiences.
- Proven capacity to manage competing priorities, meet deadlines, and adapt effectively to changing requirements in a fast-paced environment.
- Bachelor's degree in a relevant field, or equivalent practical experience.
Beneficial Skills & Qualifications
- Experience designing or supporting data processing pipelines and ETL workflows in a financial services or enterprise context.
- Familiarity with application security practices, including vulnerability assessment and structured debugging methodologies.
- Prior experience acting as a subject matter resource for senior stakeholders or cross-functional technology teams.
What We Offer
At Citi, you will work on meaningful technology challenges within a globally connected team, supported by an environment that values professional growth, collaboration, and work-life balance. We invest in our people through continuous learning opportunities, access to cutting-edge technologies, and a culture that rewards performance and initiative.
- A hybrid working model offering 3 days in the office and 2 days working remotely, giving you flexibility while maintaining strong team connection.
- Opportunities to deepen your technical expertise across Python, Java, SQL, and modern data engineering practices in a complex, real-world environment.
- Exposure to large-scale, high-impact application systems that serve clients and operations across global markets.
- Structured learning and development programmes to support your career progression within technology at Citi.
- A collaborative team environment where your contributions are visible and your technical judgment is valued.
- Wellbeing and work-life balance support, including access to localized benefits relevant to the Chennai location.
Build impactful software at global scale — apply today to join Citi's Technology team as an Intermediate Software Engineer.
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Job Family Group: Technology------------------------------------------------------
Job Family:Applications Development------------------------------------------------------
Time Type:Full time------------------------------------------------------
Most Relevant Skills Please see the requirements listed above.------------------------------------------------------
Other Relevant Skills For complementary skills, please see above and/or contact the recruiter.------------------------------------------------------
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
- 5+ years of experience in applications development within the financial services industry
- Hands-on experience with SQL, Python, Java, ETL processes, and SQL Server
- Ability to analyze complex problems, evaluate options, and implement practical solutions with limited supervision
- Clear written and verbal communication skills for technical and non-technical audiences
- Ability to manage competing priorities, meet deadlines, and adapt to changing requirements
- Bachelor's degree in a relevant field or equivalent practical experience
- Experience designing or supporting data processing pipelines and ETL workflows in a financial services or enterprise context
- Familiarity with application security practices, vulnerability assessment, and structured debugging
- Experience acting as a subject matter resource for senior stakeholders or cross-functional technology teams
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 — Health coverage is presented as comprehensive, including free in-network preventive care, mental-health resources, and the Be Well Program. Materials also state new hires have access to health and insurance benefits from the outset.
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Retirement Support — The retirement plan offers a $1-for-$1 match up to 6% of eligible pay. New employees are eligible for the plan, with automatic enrollment after 90 days if they do not enroll themselves.
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Inclusive Benefits Coverage — Benefits highlight fertility treatment coverage, adoption/surrogacy reimbursement up to $30,000, and disability coverage. Coverage extends to spouses and domestic partners regardless of gender identity or sexuality, with gender-affirming care-related support noted.
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.
