Job OverviewThe Technology Lead Python Data Engineeris a senior engineering leadership role focused on building and evolving modern, scalable platforms for credit risk management. You will lead application design and development while partnering closely with risk, data, and platform teams to deliver systems that are performant, resilient, and compliant.
This role blends hands-on development, system architecture, technical leadership, and AI-enabled innovation, with a strong emphasis on microservices, cloud-native design, and enterprise-grade governance.
Key Responsibilities- Architect, design, and deliver scalable, Python-based applications supporting credit risk analytics, workflows, and reporting.
- Partner with risk, product, and technology leadership to integrate platforms, identify enhancements, and enable new products and process improvements.
- Resolve high-impact, complex initiatives through deep analysis of business processes, system flows, and industry standards.
- Ensure solutions adhere to enterprise architecture, data, security, and infrastructure blueprints.
- Establish and enforce engineering standards for coding, testing, CI/CD, debugging, and production readiness.
- Design and evolve microservices-based architectures, ensuring scalability, resiliency, observability, and maintainability.
- Apply AI and GenAI capabilities to modernize workflows, automate analysis, and unlock new insights in credit risk.
- Serve as technical leader and mentor, coaching mid-level engineers and analysts and allocating work as needed.
- Apply sound risk and control judgment, ensuring compliance with laws, regulations, and policies while safeguarding clients, data, and the firm.
How You'll Work
- Operate with a startup mindset: ownership, bias for action, and pragmatic innovation.
- Deliver with enterprise discipline: stability, controls, transparency, and audit readiness.
- Balance experimentation with responsibility in a high-trust, high-impact environment.
- Adapt quickly as priorities change while maintaining long-term system integrity.
Qualifications - 6 + years of experience in application development or systems engineering within complex environments.
- Advanced proficiency in Python and SQL, with strong software engineering fundamentals.
- Hands-on experience building API-driven services using FastAPI, Pydantic, and/or Django.
- Proven expertise designing and implementing microservices architectures, including service decomposition, inter-service communication, resiliency patterns, and observability.
- Strong experience with Docker and Kubernetes, deploying and operating containerized services in production.
- Deep understanding of system architecture, data flows, and distributed systems.
- Experience working in Linux environments, including shell scripting and operational troubleshooting.
- Strong track record implementing unit testing, TDD, and automated quality controls.
- Subject Matter Expert (SME) in at least one application, platform, or service domain.
- Working knowledge of large language models (LLMs) and modern AI platforms from leading providers such as OpenAI, Anthropic, Google, and Meta.
- Experience designing or contributing to LLM-enabled solutions (e.g., copilots, workflow automation, analytics augmentation).
- Familiarity with prompt engineering, model integration patterns, and AI governance considerations in enterprise environments.
- Exposure to modern "vibe coding" practices-leveraging AI-assisted tooling to accelerate development, experimentation, and problem solving while maintaining engineering rigor.
Bonus / Differentiating Skills- Experience with distributed data and compute platforms (e.g., Spark, PySpark, Hadoop, Hive).
- Hands-on experience with graph databases, particularly Neo4j, for network, relationship, or dependency-driven use cases.
- Background in credit risk, financial risk management, or banking platforms.
- Experience modernizing or decomposing legacy monolithic systems in large enterprises.
- Proven delivery of GenAI / AI-driven solutions in regulated or large-scale environments.
Education- Bachelor's degree (or equivalent experience) in Computer Science, Engineering, Mathematics, or a related STEM field.
Job Family Group: Technology
Job Family:Applications Development
Time Type:Full time
Primary Location:Rutherford New Jersey United States
Primary Location Full Time Salary Range:$142,320.00 - $213,480.00
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:Sep 04, 2026
Automated Processing and AIWe use automated processing, including artificial intelligence, for our legitimate business interests (or our reasonable and appropriate business purposes) to identify and align the candidate's skills and abilities with a specific job opening. Additionally, if you so choose, or consent, we can match your skills and abilities to other suitable roles at Citi.
Importantly, all our hiring processes and decisions, including determining your suitability for a role, are conducted, checked, and decided by individuals. Our automated processing and AI do not involve relying on automatic or autonomous decision-making. Please refer to any Jurisdictional Considerations, with specific provisions for your country (where relevant) for further details.
