Citi, a leading global bank with approximately 200 million customer accounts in over 160 countries, provides a broad range of financial products and services to consumers, corporations, governments, and institutions. The bank's Enterprise Operations & Technology division underpins these offerings, delivering secure, reliable, and efficient technology solutions that are foundational to managing global resources, ensuring safety, and providing a first-class customer experience. This reflects Citi's mission to create economic value that is systemically responsible and in its clients’ best interests.

Fostering a culture of diversity and inclusion, Citi is committed to a workforce that represents the clients it serves. The company values respect, promotes individuals based on merit, and ensures opportunities for personal development are widely available. Ideal candidates are passionate, innovative problem-solvers who contribute to a culture of delivering results with pride and are empowered to enable growth and progress together with the firm.

The Loan IQ SDK Senior Lead Developer (Applications Development Technology Senior Lead Analyst - C14) is a senior level position responsible for establishing and implementing new or revised application systems and programs in coordination with the Technology Team. The overall objective of this role is to lead applications systems analysis and programming activities.

Responsibilities:

• Lead integration of functions to meet goals, deploy new products, and enhance processes
• Analyze complex business processes, system processes, and industry standards to define and develop solutions to high level problems
• Provide expertise in area of advanced knowledge of applications programming and plan assignments involving large budgets, cross functional project, or multiple projects
• Develop application methodologies and standards for program analysis, design, coding, testing, debugging, and implementation
• Utilize advanced knowledge of supported main system flows and comprehensive knowledge of multiple areas to achieve technology goals
• Consult with end users to identify system function specifications and incorporate into overall system design
• Allocate work, and act as an advisor/coach developers, analysts, and new team members
• Influence and negotiate with senior leaders and communicate with external parties
• 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.

Qualifications:

• 10+ years of relevant experience in Loan IQ SDK (Software Development Kit) and API development experience
• Hands-on development role with expectation to code daily
• Experience in implementing projects
• Experience in systems analysis and programming of software applications
• Demonstrated Subject Matter Expert (SME) in area(s) of Loan IQ Applications Development
• Demonstrated knowledge of client core business functions
• Demonstrated leadership, project management, and development skills
• Relationship and consensus building skills
• Experience with REST, JMS, SOAP, and Microservices architecture
• Experience with Spring Boot, Swagger, Tomcat and JSON /XML processing
• Experience with messaging platforms (e.g., Kafka, TIBCO, IBM MQ)
• Strong knowledge of SQL
• Familiarity with Windows and Linux environments; ability to write shell and batch scripts
• Solid understanding of Java concepts including threading, collections, exception handling, JDBC, OOP/OOD, GoF design patterns, and file I/O
• Experience with CI/CD tools and processes

Education:

• Bachelor’s degree/University degree or equivalent experience
• Master’s degree preferred

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

Candidate must be located within commuting distance or be willing to relocate to the area.

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Job Family Group:

Technology

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Job Family:

Applications Development

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Time Type:

Full time

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Primary Location:

Jersey City New Jersey United States

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Primary Location Full Time Salary Range:

$176,720.00 - $265,080.00

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.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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Anticipated Posting Close Date:

Aug 07, 2026

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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.

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View Citi’s EEO Policy Statement and the Know Your Rights poster.