Are you a product professional with a passion for Wholesale Lending and data-driven innovation? Citi is looking for a Product Developer (C12) to shape the future of Wholesale Credit Risk products, owning the end-to-end product lifecycle and delivering solutions that directly influence how Citi manages credit risk at a global scale. This is a high-impact role at the intersection of product strategy, data analytics, and financial services, working alongside senior stakeholders across Sales, Technology, and Business Management.
Responsibilities:
- Lead the end-to-end product development lifecycle for wholesale credit risk solutions — from business case and requirements definition through to release planning, delivery, and post-launch tracking.
- Define and maintain a clear product vision and roadmap, aligning priorities with business objectives, regulatory requirements, and investment planning.
- Translate market trends, client needs, and industry research into actionable product enhancements across data analytics, reporting, CRM, trade workflows, and trade processing platforms.
- Partner with Sales, Technology, and Business Management teams to scope product releases, agree on delivery priorities, and champion the product within the user community.
- Create detailed project plans, business requirements documents, and technical specifications that enable accurate and efficient product execution.
- Engage directly with business managers and senior leaders to understand long-term strategic goals and incorporate them into the product and solutions roadmap.
- Maintain a strong focus on governance and controls, conducting access reviews, approvals, and controls testing to ensure products meet compliance and risk standards.
- Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.
Required Qualifications & Skills
- 5+ years of experience in product development, with direct involvement in end-to-end project delivery within financial services or a related field.
- Demonstrated ability to structure complex problems, develop solutions, and drive measurable outcomes across cross-functional teams.
- Skilled in data analysis and business analysis, including troubleshooting data quality issues and conducting exploratory analysis of large business datasets.
- Proficiency with analytical tools such as Qlikview, Tableau, or Microsoft Access to support data investigations and management reporting.
- Strong project management capability, with experience leading large-scale, cross-functional initiatives from initiation through to delivery.
- Excellent communication and stakeholder engagement skills, with the ability to collaborate effectively across distributed global teams and present clearly to senior leadership.
- Bachelor's degree or equivalent professional experience.
Beneficial Skills & Qualifications
- Experience in wholesale lending or wholesale credit risk environments, with familiarity of the associated products, processes, and regulatory landscape.
- Hands-on experience working with AI tools in a product or analytical context, with an interest in applying emerging technologies to financial services solutions.
- Familiarity with product development methodologies (e.g., Agile, Scrum) and their practical application in a financial services setting.
- Experience coaching or mentoring junior team members, with a natural inclination to share knowledge and support team development.
What We Offer
At Citi, you'll join a global team where your work has real impact — shaping products used by clients and colleagues across the world. We invest in our people through meaningful development opportunities, a collaborative culture, and a range of benefits designed to support you at every stage of your career and life.
- Hybrid working model — 3 days in the office and 2 days working remotely, giving you flexibility without sacrificing collaboration.
- Significant influence over product strategy and delivery, with the autonomy to shape solutions that matter at a global scale.
- Access to learning and development programs that support your growth as a product professional in financial services.
- Exposure to senior leadership and cross-functional teams across Sales, Technology, and Risk — broadening your network and career trajectory.
- A culture that values intellectual curiosity, innovation, and continuous improvement — where new ideas are actively encouraged.
- Wellbeing and financial benefits designed to support your long-term health, security, and work-life balance.
Apply today and bring your product expertise to a role where your decisions shape how Citi delivers wholesale credit risk solutions on a global scale.
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
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Job Family Group: Product Management and Development------------------------------------------------------
Job Family:Product Development------------------------------------------------------
Time Type:Full time------------------------------------------------------
Primary Location:Getzville New York United States------------------------------------------------------
Primary Location Full Time Salary Range:$77,280.00 - $115,920.00
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:Jul 30, 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
- 5+ years of experience in product development with end-to-end project delivery in financial services or related field
- Ability to structure complex problems, develop solutions, and drive measurable outcomes across cross-functional teams
- Skilled in data analysis and business analysis, including troubleshooting data quality issues and exploratory analysis of large datasets
- Proficiency with analytical tools such as Qlikview, Tableau, or Microsoft Access
- Strong project management capability; experience leading large-scale, cross-functional initiatives from initiation through delivery
- Excellent communication and stakeholder engagement skills; ability to present to senior leadership and collaborate across distributed global teams
- Bachelor's degree or equivalent professional experience
- Focus on governance and controls, including access reviews, approvals, and controls testing to meet compliance and risk standards
- Experience in wholesale lending or wholesale credit risk environments
- Hands-on experience working with AI tools in a product or analytical context
- Familiarity with product development methodologies (Agile, Scrum)
- Experience coaching or mentoring junior team members
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.
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