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 AI/Full Stack Tech Lead role is a strategic professional technical specialist with deep domain expertise in Securities-Based Lending (SBL) to join our SBL program, a key part of the OMAI Initiative. The ideal candidate's primary strength will be their comprehensive understanding of the SBL lifecycle, from underwriting and legal documentation to collateral management. This expertise will help with design and implementation of Generative AI solutions, translating the strategic AI roadmap into functional, production-ready code. This role acts as a crucial bridge between the SBL Engineering team and SBL business partners, requiring frequent, direct interaction with specialists in SBL Business, Credit Risk, Legal, and Operations. The goal is to leverage technology to solve complex challenges and drive transformation across our global SBL operations.
Key Responsibilities- The role is responsible for the hands-on development and coding of SBL solutions that transform the SBL lifecycle. This may include but not limited to writing production-quality code for component-level development of Agentic AI systems, interaction with internal SBL APIs for loan origination, collateral management, and risk assessment.
- The engineer may leverage the Long Context Advantage to automate and augment the analysis of complex client portfolios and credit agreements for SBL underwriting. This includes implementing the data pipelines for these models.
- Design and build solutions to automate the analysis, extraction, and verification of information from complex legal documents (e.g., credit agreements, term sheets, collateral pledges etc.) and integrate with DocuSign to significantly reduce the documentation lifecycle.
- The engineer will implement and maintain the data infrastructure required for SBL solutions, demonstrating proficiency with both relational and NoSQL databases.
- Design and implement robust APIs and data feeds for integrating the SBL platform with critical internal and external systems. This includes market data providers, risk engines, credit adjudication platforms, and downstream loan product processors.
- Work closely with Credit Risk, Legal, and Compliance partners to ensure the SBL platform accurately implements lending policies and adheres to regulatory requirements (e.g., Regulation U). Collaborate with Technology and Business Information Security offices to embed security best practices into the system architecture.
- Investigate and resolve complex technical issues related to the SBL platform, from data discrepancies in collateral valuation to performance bottlenecks in loan processing.
- The position involves the practical application of the modern Generative AI stack to build and test predictive models that identify SBL client opportunities and potential risks. This requires strong data engineering skills and data cleansing of SBL-specific datasets.
- Responsibilities include deploying AI models and applications into production on OpenShift using Docker and Kubernetes. This role will contribute to the team's ML/DevOps practices by implementing robust monitoring, logging, and troubleshooting solutions for all SBL AI systems.
Qualifications & Skills- 6-10 years of relevant experience in Application Development.
- Deep, demonstrable knowledge of the Securities Based Lending (SBL) lifecycle, including loan origination, underwriting, real-time collateral monitoring, and risk management.
- Knowledge of legal documents templates as part of the SBL lifecycle.
- Proficiency in deploying applications using Docker, Kubernetes, and OpenShift.
- Expertise in designing and implementing distributed systems using JAVA, Microservices, with a strong focus on system integration, APIs (including AI based API usage), and data-intensive applications.
- Experience using AI tools such:
- Experience within a Wealth Management, Private Banking, or Credit technology environment.
- Knowledge of financial instruments commonly used as collateral (e.g., equities, fixed income, mutual funds) and their valuation principles.
- Familiarity with lending regulations (e.g., Regulation U) and key risk management concepts (e.g., Loan-to-Value ratios, concentration risk).
- Proven experience as a senior technical analyst/developer on large-scale, complex financial technology projects.
- Strong data engineering skills with experience with both relational and NoSQL databases.
- A strong understanding of implementing secure communication protocols like TLS and token-based authentication (JWT) etc.
- Familiarity is desirable with ML/DevOps practices (monitoring, troubleshooting, CI/CD for models).
- Excellent communication skills with the ability to translate complex SBL concepts and technical details between business and technology teams.
Education:- Bachelor's degree/University degree or equivalent experience
- Master's degree preferred
Job Family Group: Technology
Job Family:Digital Software Engineering
Time Type:Full time
Primary Location:Irving Texas United States
Primary Location Full Time Salary Range:$138,720.00 - $208,080.00
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.
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:Apr 11, 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.
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