Overview of the Role

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.

The Collections Senior Java Developer is a senior-level technology role responsible for leading the design, development, and delivery of complex applications supporting collections and financial systems. This position combines deep Java-based application development expertise with hands-on leadership in Generative AI (GenAI) solution delivery.

The role requires close collaboration with technology and business stakeholders to deliver scalable, secure, and production-ready solutions while mentoring team members and ensuring alignment with enterprise architecture, compliance, and ethical standards.

Key Responsibilities

Application Development & Technical Leadership

• Lead end-to-end application development, including systems analysis, design, development, testing, and deployment, in alignment with enterprise architecture standards.

• Partner with multiple management and technology teams to ensure effective system integration and to identify and deliver enhancements supporting new products and process improvements.

• Resolve high-impact, complex technical and business problems through in-depth analysis of business processes, system flows, and industry standards.

• Design and maintain high-quality, scalable, and resilient Java-based applications supporting collections and financial platforms.

• Establish and enforce development standards for coding, testing, debugging, deployment, and operational support.

• Provide technical leadership and guidance to mid-level developers and analysts through mentoring, task allocation, and code reviews.

Generative AI & Advanced Analytics

• Design, develop, and deploy end-to-end Generative AI solutions for collections use cases, with hands-on experience delivering production-ready implementations.

• Collaborate closely with AI/ML engineers to implement GenAI technologies, including retrieval-augmented generation (RAG) pipelines, vector databases, prompt engineering, and chatbot solutions.

• Contribute directly to the codebase and participate in architectural and technical decision-making for GenAI-enabled applications.

• Integrate GenAI solutions seamlessly into existing Java-based systems and enterprise workflows.

• Support deployment, scalability, reliability, and maintainability of AI-enabled solutions in production environments.

• Contribute to the development and optimization of real-time and streaming AI solutions.

• Stay current with advancements in generative AI and proactively share best practices, patterns, and knowledge with the team.

Collaboration, Risk, and Governance

• Work closely with business stakeholders to understand requirements and translate them into effective, maintainable technical solutions.

• Ensure adherence to ethical AI principles, data privacy standards, and applicable regulatory requirements.

• Assess and manage risk in technical and business decisions, safeguarding the firm, its clients, and its assets.

• Comply with applicable laws, policies, and control standards, escalating and managing issues with transparency and accountability.

Core Technology

• Languages: Java, Python

• Architecture: Microservices, RESTful APIs, event-driven architectures

• Frameworks & Platforms: Spring / Spring Boot

• AI & GenAI: Large Language Models (LLMs), Retrieval-Augmented Generation (RAG), vector databases, prompt engineering, chatbot frameworks

• Data & Streaming: SQL/NoSQL databases, real-time and streaming processing

• DevOps & Cloud: CI/CD pipelines, containerization (Docker), orchestration (Kubernetes), cloud-native deployment patterns

• Quality & Security: Automated testing, observability, secure coding practices, compliance and governance

Required Qualifications

• 6–10 years of experience in application development or systems analysis, with extensive experience developing Java-based enterprise applications.

• 2+ years of real-world experience designing and deploying production-ready Generative AI solutions.

• Strong understanding of GenAI models and architectures, with practical experience applying them to real-world business problems.

• Advanced programming skills, including strong proficiency in Java and Python for data processing, API development, and GenAI integration.

• Proven experience delivering complex, large-scale technology projects.

• Subject Matter Expert (SME) in at least one area of applications development.

• Solid understanding of AI compliance, guardrails, and responsible AI practices.

• Ability to adapt quickly to changing priorities and business needs.

• Demonstrated leadership, problem-solving, and project management skills.

• Clear, concise written and verbal communication skills.

Preferred Qualifications

• Experience with collections systems, financial data, and enterprise financial services applications.

• Contributions to open-source projects related to Generative AI or machine learning.

• Experience leveraging AI-powered tools for application development and deployment.

Education

• Bachelor’s degree or equivalent practical experience required.

• Master’s degree preferred.