Citigroup, Inc

Data Scientist, Generative AI - Spread Products

Citigroup, Inc • $175K — $250K *
New York, NY 10025Hybrid
Finance & Insurance
Less than 5 years of experience
Reposted Today
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Job Overview by Ladders

Qualifications

  • Bachelor's or Master's degree in a relevant quantitative field like Computer Science or Data Science.
  • 1-5 years of experience in AI/ML engineering or data science, preferably in financial services.
  • Strong grounding in algorithms, data structures, and computational mathematics.
  • Experience with Generative AI techniques and Large Language Models (LLMs).
  • Advanced SQL and proficiency in Python with data science libraries.

Responsibilities

  • Pioneer the design and development of Generative AI applications for capital markets.
  • Construct innovative AI solutions to enhance operational efficiency across various product classes.
  • Architect autonomous systems for generating and optimizing financial models.
  • Develop conversational AI interfaces for market participants within Spread Products.
  • Design scalable data pipelines to support advanced AI workflows.

Benefits

  • Intellectually stimulating environment at the forefront of AI and finance.
  • Opportunity to shape the future of finance through high-impact projects.
  • Access to extensive datasets and cutting-edge computational resources.
  • Culture of continuous learning and professional growth.
  • Comprehensive employee benefits package including medical and wellness programs.
Full Job Description
Data Scientist, Generative AI & Capital Markets - Spread Products

The Opportunity: Data Scientist, Generative AI - Spread Products

We are actively expanding our dedicated Data Science team within Spread Products, seeking an innovative Data Scientist passionate about leveraging advanced data science techniques and artificial intelligence. This is a unique opportunity to drive the development and widespread adoption of cutting-edge AI solutions, particularly in Generative AI, across all facets of our business, directly impacting trading, risk management, and client solutions in capital markets.

Key Responsibilities

AI Solution Development
  • Pioneer Generative AI Solutions: Design, develop, and deploy production-grade AI applications leveraging state-of-the-art Generative AI techniques, including Large Language Models (LLMs), Retrieval-Augmented Generation (RAG), and advanced agentic frameworks tailored for capital markets.
  • Drive Workflow Transformation: Construct innovative AI/data solutions that significantly enhance workflows and operational efficiency across a diverse range of product classes, such as corporate bonds, Mortgage-Backed Securities (MBS), Collateralized Loan Obligations (CLOs), and derivative instruments.
  • Advance Autonomous Systems: Architect and implement agentic coding systems capable of autonomously generating, testing, and optimizing complex financial models and analytical tools specifically for credit and securitized markets.
  • Build Intelligent Interfaces: Develop intuitive conversational AI interfaces and intelligent assistants to empower originators, structurers, investors, lenders, and market makers within the Spread Products ecosystem.

Data Engineering & Integration
  • Engineer Robust Data Pipelines: Design, construct, and maintain scalable data pipelines to underpin advanced AI/ML workflows, seamlessly integrating vast datasets including real-time market data, comprehensive credit data, securitized product performance analytics, and proprietary research content.
  • Seamless AI Integration: Develop robust APIs and microservices to effectively embed AI capabilities into Citi's critical capital markets, credit, and securitized product platforms.
  • Optimize Data Infrastructure: Implement and optimize high-performance data storage and retrieval solutions capable of managing and processing large volumes of complex credit and securitized market data for demanding AI applications.
  • Champion Data Automation: Contribute to the strategic automation and lifecycle management of data assets across the entire Spread Products business.

Collaboration & Innovation
  • Strategic Business Partnership: Actively collaborate with diverse business stakeholders across all product lines and geographies within Spread Products to identify, prioritize, and champion high-impact AI implementation opportunities.
  • Quant Research Synergy: Partner closely with quantitative researchers to integrate cutting-edge AI techniques into sophisticated credit and securitization pricing, advanced risk models, and optimized portfolio management strategies.
  • Regulatory Adherence & Governance: Work proactively with compliance, legal, and risk management teams to ensure all AI solutions adhere strictly to regulatory frameworks and governance requirements specific to the capital markets domain.
  • Continuous Learning & Innovation: Maintain deep expertise in emerging AI technologies, methodologies, and industry trends, continuously evaluating their potential applicability and value to Spread Products' evolving business needs.
  • Foster AI Community: Actively contribute to and engage with Citi's broader AI/ML community of practice, fostering knowledge sharing, best practices, and collaborative innovation across the firm.


Required Qualifications

Education
  • Bachelor's or Master's degree in Computer Science, Data Science, Machine Learning, Artificial Intelligence, Quantitative Finance, or a closely related quantitative field.
  • Exceptional academic grounding in algorithms, data structures, software engineering principles, and computational mathematics.

Professional Experience
  • 1-5 years of progressive professional experience in AI/ML engineering, advanced software development, or data science roles, with a strong preference for backgrounds within financial services or capital markets.
  • Proven track record of successfully designing, developing, and deploying robust, production-grade AI applications in complex environments.
  • Direct experience or strong foundational understanding of credit markets, securitized products, or other relevant financial instruments is highly advantageous.

Technical Expertise

Generative AI & Machine Learning:
  • Deep, hands-on experience with state-of-the-art Generative AI techniques, including practical application and fine-tuning of Large Language Models (LLMs) such as GPT, Claude, Llama, or similar architectures.
  • Demonstrated expertise in designing and implementing Retrieval-Augmented Generation (RAG) systems for enterprise applications.
  • Practical experience with agentic frameworks and the development of autonomous coding or intelligent decision-making systems.
  • Comprehensive knowledge of classical and modern machine learning algorithms, statistical modeling, and experimental design.
  • Solid understanding of financial mathematics, quantitative modeling, and their application within capital markets.

Programming & Development:
  • Demonstrated proficiency in Python, including experience with relevant data science libraries (e.g., Pandas, NumPy, Scikit-learn, PyTorch/TensorFlow) and software development best practices (e.g., version control, testing, clean code).
  • Advanced SQL skills with experience querying and optimizing performance on large, complex datasets.

What We Offer
  • An intellectually stimulating and fast-paced environment at the intersection of cutting-edge AI and global capital markets.
  • Opportunity to work on high-impact projects that directly shape the future of finance.
  • Access to vast datasets and state-of-the-art computational resources.
  • A culture of continuous learning, innovation, and professional growth within a leading global financial institution.
  • Competitive compensation and benefits package.


Job Family Group:
Institutional Trading

Job Family:
Trading

Time Type:
Full time

Primary Location:
New York New York United States

Primary Location Full Time Salary Range:
$175,000.00 - $250,000.00

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:
Jul 14, 2026

About Citigroup, Inc

Citigroup is a financial services holding company that provides financial products and services. The company operates through two segments, Global Consumer Banking (GCB) and Institutional Clients Group (ICG). The GCB segment offers traditional banking services to retail customers through retail banking, commercial banking, Citi-branded cards, and Citi retail services. The ICG segment offers various banking, and financial products and services to corporate, institutional, public sector, and high-net-worth clients. This segment provides wholesale banking products and services, including fixed-income and equity sales and trading, foreign exchange, prime brokerage, derivative services, equity and fixed-income research, corporate lending, investment banking, and advisory services, private banking, cash management, trade finance, and securities services. Citi is committed to sustainability and social responsibility, and the company invests in initiatives that promote economic progress.

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Learn more about Citigroup, Inc
Market Cap
$1.3 billion
Industry
Finance & Insurance
Net Income
$89.6 million
Founded
1812
5 Year Trend
+4.6%
NASDAQ
C
* Ladders Estimates

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