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.

• 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.

• 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 time frames in a fast‑moving environment.
• Comfortable working as part of a global team across multiple geographies and time zones, adapting priorities as circumstances evolve.

• 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.

• 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…