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Citi Logo Citi · IT - Software Development

Senior Java Developer (Credit Risk domain)

India, Pune · Job Posted April 16, 2026
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Job Description

The Applications Development Senior Programmer Analyst is an intermediate level position responsible for participation in the establishment and implementation of new or revised application systems and programs in coordination with the Technology team. The overall objective of this role is to contribute to applications systems analysis and programming activities. The Credit Risk Technology Team is responsible for delivering Counterparty Credit Risk Management software solutions to Citi's Risk organization and RWA integrity team for regulatory reporting. This team manages Citi's exposure to financial institutions, governments, and corporates that trade with Citi. The team builds and maintains software used to compute metrics that help mitigate Citi's exposure to counterparty default, including computation of Collateral Allocation for Portfolios, Haircut for Security and Cash Collateral, Collateral Concentration Levels, Wrong Way Risk, Pre-settlement exposure, Exposure At Default, and Risk-weighted assets, amongst others.

Job Responsibility

  • Conduct tasks related to feasibility studies, time and cost estimates, IT planning, risk technology, applications development, model development, and establish and implement new or revised applications systems and programs to meet specific business needs or user areas
  • Monitor and control all phases of development process and analysis, design, construction, testing, and implementation as well as provide user and operational support on applications to business users
  • Utilize in-depth specialty knowledge of applications development to analyze complex problems/issues, provide evaluation of business process, system process, and industry standards, and make evaluative judgement
  • Recommend and develop security measures in post implementation analysis of business usage to ensure successful system design and functionality
  • Consult with users/clients and other technology groups on issues, recommend advanced programming solutions, and install and assist customer exposure systems
  • Ensure essential procedures are followed and help define operating standards and processes
  • Serve as advisor or coach to new or lower level analysts
  • 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
  • Keep applications lean, resilient, robust, self-healing, and scalable
  • Taking ownership of all applications in the assigned sub-domain within Risk Technology
  • Interacting with Business users / Business Analysts to understand the requirements
  • Ensuring complete understanding of application code through compilation, code walkthrough, execution flow, and overall design
  • Performing local compilation, deployment, and behavior/Unit testing
  • Identifying areas for code changes to meet required functionalities and maintain traceability
  • Participating in design review, code review, and project review meetings (local/global)
  • Hands-on development using required IDEs & related plugins, SQL client
  • Unit testing, Integration testing, UAT/SIT support
  • Managing Code check-ins, check-outs, merges, and build management
  • Maintaining technical thought leadership and disseminating knowledge to the team and peers
  • Bringing excellence in terms of behavioral, technical, and architectural leadership in collaboration with global teams

Requirements

  • 8-11 years of relevant experience
  • Experience in systems analysis and programming of software applications
  • Experience in managing and implementing successful projects
  • Working knowledge of consulting/project management techniques/methods
  • Ability to work under pressure and manage deadlines or unexpected changes in expectations or requirements
  • Bachelor’s degree/University degree or equivalent experience
  • 8 to 11 years of strong experience in Java/J2EE, Spring, Hibernate, (and with Spark Preferable) with expertise in design, development, performance tuning, troubleshooting and deployment
  • Good understanding of WebSphere, and Linux or Unix operating systems
  • Should be well versed with designing and architecting solutions with latest tech advancements
  • Familiar with standard SDLC and Agile processes
  • Hands on working experience and ability to motivate and lead the team
  • Experience with latest technology in areas of Distributed Computing and Big Data ecosystem
  • Solid understanding of SOA concepts, RESTful API design
  • Strong OOP fundamentals and programming languages and web frameworks
  • Knowledge of cloud computing and deployment strategies using virtual environments
  • Ability to prioritize and manage schedules under tight, fixed deadlines
  • Ability to produce professional, technically-sound, and visually-appealing presentations and architecture designs
  • Strong writing, communication, time-management, decision-making, and basic task organization skills
  • Experience creating high level technical/process documentation and presentations for audiences at various levels
  • Experience writing/editing technical, business, and process documentation in an Information Technology/Engineering environment
  • Must have worked on Oracle RDBMS
  • Should be good at data models and have an understanding of relational database systems
  • Must be able to understand requirements & convert to technical design and code
  • Knowledge of source code control systems, unit test framework, build and deployment tools
  • Experienced with large scale programs rollout and ability to create and maintain details WBS project plans
  • Must be able to work independently as well as in a team environment
  • Must be able to adapt to a rapidly changing environment
  • Object-Oriented Design skills
  • Solid knowledge of Core Java, J2EE
  • Core Java concepts: Threading, Collections, Synchronization, Locking, Annotations, Generics
  • Spring Core, Spring Batch
  • Ability to write SQL Queries and PL/SQL to analyze data
  • Good knowledge of design patterns
  • Build scripts like Ant, Maven
  • Experience with any version of Eclipse as a development environment
  • ETL, ELT, and data warehousing concepts
  • Extensive development experience (minimum 8+ years) in designing and building applications
  • Java/J2EE/RDBMS/Unix Shell Scripting
  • Microservices on cloud
  • Experience in NoSQL DB like MongoDB or any cache
  • Ensuring processes are followed and driving efficiency
  • SDLC Aware & coordination and working with remote teams
  • Knowledge of quality issues in software development
  • Experience working cooperatively in small to medium-sized teams
  • Proactive and self-motivated
  • Good problem solver
  • Ability to understand human issues/sentiments and channelize them for better delivery
  • Good design and coding discipline
  • Ability to troubleshoot conflicts and people issues
  • Strong design & execution bend of mind
  • Conceptual understanding of design patterns
  • Thorough understanding of OO methodologies
  • Passion for technology and self-starter
  • Orientation towards disciplined development processes
  • B.Tech from a top engineering college/university, preferably in Computer Science, EE, or ECE branches
  • A substantial part of experience should be in top-notch IBs/Banks and product companies
  • Experience with AI co-pilot and other AI-driven development tools is highly valued
  • Efficient Prompting: Demonstrating expertise in crafting clear, concise, and effective prompts to maximize the utility of AI co-pilots for code generation, debugging, refactoring, and documentation
  • Code Optimization: Utilizing AI tools to identify and implement performance improvements, security enhancements, and adherence to best practices within Java/J2EE applications
  • Automated Testing Support: Employing AI capabilities to generate test cases, analyze code coverage, and streamline testing processes for faster and more reliable deployments
  • Knowledge Sharing: Promoting the adoption of AI development tools within the team and contributing to best practices for their efficient and accurate use

Nice to have

  • Caching Frameworks
  • IOC framework like Juice
  • Development Best Practices
  • Test-driven development
  • Experience with Caches (e.g., GemFire/Redis/Hazelcast)
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