As a Senior Java Principal Engineer, you will build the next generation of credit risk monitoring systems that help Citi manage exposure across Financial Institutions, Corporates, and Governments worldwide. This pivotal role involves providing strategic leadership, defining technical roadmaps, and driving the implementation of cutting-edge software solutions that leverage best-in-class technology stacks and advanced AI tools. The role will be instrumental in developing solutions for Limit Monitoring and Early Warning Indicators in Credit Risk area. This role offers the unique opportunity to shape the future of risk management by designing and developing mission-critical systems that use deep analytics and workflows to streamline the way Citi manages its risk to Financial Institutions, Corporates, Governments and more. This role requires significant hands-on involvement, with coding responsibilities exceeding 50% of the time.
We are looking for a technical leader who actively champions modern AI-native engineering methodologies. The ideal candidate is deeply experienced with state-of-the-art AI developer platforms and autonomous coding agents—such as GitHub Copilot, Devin, and LLM-based coding assistants—leveraging them to radically accelerate development velocity, elevate code quality, and automate complex workflows.
Key Responsibilities:
- AI-Driven Software Engineering & Hands-on Development
- Actively write high-quality, production-grade code (>50% hands-on capacity) using modern Java (Java 17/21+), Spring Boot, and cloud-native microservices architectures.
- Serve as the team's foremost practitioner and evangelist for AI-assisted engineering tools (e.g., GitHub Copilot, Devin, AI-based code review and test generation agents), integrating them into daily development loops and CI/CD pipelines.
- Implement agentic workflows, prompt-driven engineering, and automated testing strategies to dramatically compress delivery cycles and improve code coverage.
- Conduct rapid Proof-of-Concepts (POCs) leveraging AI assistants to evaluate emerging architectural patterns, libraries, and frameworks.
- Technical Strategy & Design:
- Work closely with Product Development team, end users, and tech partners to define the roadmap and vision for the new generation of risk monitoring systems, ensuring alignment with enterprise architecture standards and business objectives.
- Lead the design of robust, scalable, high-performance, and secure credit risk applications, employing modern architectural patterns (e.g., microservices, event-driven architectures, serverless).
- Develop blueprints and guidelines for integrating cutting-edge AI/ML capabilities and advanced analytics into credit risk management workflows.
- Develop rapid Proof-of-Concepts (POCs) to establish technical feasibility and evaluate new architectural approaches.
- Establish Key Performance Indicators (KPIs) for the system to monitor and ensure architectural effectiveness and performance.
- Technical Leadership & Governance:
- Provide expert technical guidance and mentorship to development teams and other architects, fostering a culture of architectural excellence and innovation.
- Conduct comprehensive architectural reviews and provide constructive feedback to ensure adherence to design principles, best practices, and security standards.
- Demonstrable hands-on expertise in Java and related technologies such as Spring Boot, REST API, and microservices architecture is essential for this role.
- Hands-on experience to develop software using AI tools is a must
- Communicate architectural vision, technical decisions, and progress to both technical and non-technical audiences, influencing strategic direction and gaining consensus.
- System Evolution & Performance:
- Oversee the continuous evolution and optimization of the CitiRisk Credit system for maximum resilience, performance, and maintainability, ensuring it meets current and future business demands.
- Identify and mitigate architectural risks, ensuring the delivery of high-quality, stable, and compliant credit risk solutions.
Qualifications:
- Experience:
- Bachelor's or Master's degree in Computer Science, Engineering, or a related field.
- 12+ years of progressive experience in software development, including 7+ years hands on Java development
- Strong experience in the financial services industry, particularly in credit risk, market risk, or a related trading/risk domain, with a deep understanding of financial products and risk methodologies.
- Technical Expertise:
- Proven deep understanding of software design patterns, data structures, algorithms, and system design for large-scale, distributed applications.
- Extensive hands-on experience and tech leadership in modern tech stacks and cloud platforms (e.g., AWS, Azure, GCP), including microservices, APIs, containerization (Docker, Kubernetes), and serverless computing.
- Demonstrated expertise in designing and implementing AI/ML tools ( such as Devin, Co-Pilot etc) for software development
- A deep understanding of runtime environment, performance optimizations and memory management
- Proficiency with various databases (SQL and NoSQL) and complex data integration/streaming technologies.
- Strong background in CI/CD pipelines, DevOps practices, and automated testing frameworks
- Leadership & Communication:
- Exceptional problem-solving, analytical, and critical thinking skills, with the ability to define technical solutions for complex business problems.
- Excellent communication, negotiation, and interpersonal skills, with the ability to articulate complex technical concepts to diverse audiences and influence strategic decisions.
- Ability to inspire, lead, and mentor technical teams in architectural best practices.
- Regulatory & Compliance:
- Familiarity with regulatory requirements and compliance standards within financial technology.
What We Offer:
- This role puts you at the center of a critical enterprise system, giving you the platform to shape architecture decisions that influence how Citi manages risk globally.
- Lead technical direction on high-visibility projects spanning complex financial systems and strategic risk initiatives.
- Work in a hybrid model with 3 days in the office and 2 days working remotely, balancing collaboration with flexibility.
- Gain exposure to cutting-edge AI developer tools and apply them to real, large-scale engineering problems.
- Access a competitive compensation package alongside benefits supporting financial wellbeing and work-life balance.
- Collaborate with product, architecture, and engineering teams across Citi's global technology organization.
Join Citi to lead the engineering behind the systems that safeguard how the bank manages risk at global scale.
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Job Family Group: Technology------------------------------------------------------
Job Family:Applications Development------------------------------------------------------
Time Type:Full time------------------------------------------------------
Primary Location:Irving Texas United States------------------------------------------------------
Primary Location Full Time Salary Range:$156,160.00 - $234,240.00
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:Oct 27, 2026------------------------------------------------------
Automated Processing and AIWe 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.
Illinois residents – AI Notice and Right
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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
- Bachelor's or Master's degree in Computer Science, Engineering, or a related field
- 12+ years of progressive software development experience
- 7+ years of hands-on Java development experience
- Strong financial services industry experience, particularly in credit risk, market risk, trading, or related risk domains
- Deep understanding of software design patterns, data structures, algorithms, and large-scale distributed system design
- Hands-on expertise with Java, Spring Boot, REST APIs, and microservices architecture
- Experience with AI-assisted software development tools such as Devin, GitHub Copilot, or equivalent tools
- Experience with cloud platforms such as AWS, Azure, or GCP
- Experience with Docker, Kubernetes, serverless computing, and APIs
- Proficiency with SQL and NoSQL databases and complex data integration or streaming technologies
- Strong background in CI/CD pipelines, DevOps practices, and automated testing frameworks
- Understanding of runtime environments, performance optimization, and memory management
- Familiarity with regulatory requirements and compliance standards in financial technology
- Exceptional problem-solving, analytical, critical-thinking, communication, negotiation, and interpersonal skills
- Ability to lead, inspire, and mentor technical teams in architectural best practices
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.
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