Discover your future at Citi

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Job Overview

About Citi

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. Our core activities are safeguarding assets, lending money, making payments and accessing the capital markets on behalf of our clients.

Role Overview

We are seeking a visionary and hands-on Product Lead, AI Product Engineering to join our Banking Technology group in New York. This is a senior-level, strategic role (C14) designed for a leader who embodies a product mindset with deep technical expertise, thriving at the intersection of product management, artificial intelligence, and software engineering.

This role specifically focuses on Capital Management and Lending tooling, where these systems are critical for our financial professionals to optimize capital allocation, streamline commercial and retail lending workflows, leverage advanced AI agents for credit underwriting, identify new lending opportunities, and manage risk-weighted assets (RWA) effectively. You will be responsible for shaping the future of our financial products by identifying high-impact opportunities for AI within this domain and leading the end-to-end lifecycle from concept to scaled production.

This is not a traditional development role. We are looking for a product-minded technologist who can bridge the gap between complex business challenges faced by Capital Management and Lending professionals and cutting-edge AI solutions for their tooling needs. You will be heavier on the "product" side—defining the vision, strategy, and roadmap for these critical tools—while maintaining the deep technical expertise to guide a cross-functional team in building and shipping world-class, AI-powered applications that directly enhance our professionals' capabilities in credit risk assessment, capital optimization, and client servicing.

Key Responsibilities

• Define the Vision: Own the product strategy for AI initiatives within Capital Management and Lending tooling. Analyse market trends, internal business processes, and user pain points of our Corporate Bankers, Product Bankers and Capital Management Team to identify and champion new opportunities for AI-driven innovation. This includes automated capital allocation workflow, AI-driven risk-weighted asset (RWA) optimization, predictive default modelling, and the deployment of specialized Lending AI agents.
• Drive the Roadmap: Translate the product vision into a clear, actionable roadmap for Capital Management and Lending AI tooling. Develop and prioritize features, epics, and user stories to guide the engineering team in delivering high-value solutions that empower our business professionals to move faster and make data-driven decisions.
• Lead from the Front: Act as the key technical and product leader for a dedicated team of engineers focused on Capital Management and Lending solutions. Mentor team members, establish modern engineering best practices, and foster a culture of excellence, rapid iteration, and continuous learning.
• Bridge Business and Tech: Serve as the primary liaison between Capital Management & Lending business stakeholders, end-users, and the development team. Articulate complex technical concepts to non-technical audiences and translate business requirements from the lending and capital adequacy domains into robust technical designs that facilitate business growth and client service.
• Hands-On Prototyping and Architecture: Be prepared to get hands-on with building proofs-of-concept and initial prototypes to validate ideas quickly, particularly for novel AI applications (such as LLM-based financial document parsing, automated covenant monitoring, and real-time capital stress-testing tools).
• Champion and Influence: Influence and negotiate with senior leadership within Banking Technology, Capital Management, and Lending to secure buy-in and resources for your product vision. Communicate progress, challenges, and outcomes effectively across all levels of the organization, highlighting the strategic importance of enhanced tooling for business expansion and client satisfaction.
• Manage Risk and Compliance: Uphold the firm's commitment to risk management and compliance. Ensure that all product decisions and technical implementations for Capital Management and Lending tooling adhere to the highest standards of security, ethics, and regulatory requirements (including Basel III/IV capital adequacy standards, Fair Lending regulations, CCAR stress testing, and internal model risk management policies), safeguarding the firm and its clients.

Qualifications

• Experience: 10+ year of experience with a proven track record of shipping products from concept to launch in a product-centric or entrepreneurial role.
• Product & Engineering Hybrid: Demonstrated experience in a role that blends product management (defining the "what" and "why") with software engineering (defining the "how"). This role requires a strong product mindset, with deep technical expertise.
• AI/ML Expertise: Deep subject matter expertise in applying modern AI/ML techniques to solve real-world business problems. Experience with Natural Language Processing (NLP) for document intelligence, predictive modelling, or generative AI agents is highly desirable, especially in the context of credit risk or financial modelling.
• Domain Knowledge: A strong understanding of core banking, financial technology, and critically, a deep understanding of Capital Management and Lending processes. This includes credit underwriting, loan lifecycle management, risk-weighted assets (RWA) calculations, capital adequacy frameworks, and the application of AI to drive business growth, opportunity identification, and client servicing within this sector.
• Leadership: Proven ability to lead, mentor, and inspire cross-functional teams in a fast-paced, agile environment. Experience with project management and influencing without direct authority.
• Stakeholder Management: Exceptional communication and relationship-building skills, with the ability to build consensus and drive decisions among senior leaders and diverse stakeholders, including Capital Management and Lending professionals and their leadership.
• Technical Acumen: While this is a product-heavy role, you should have a strong foundation in software engineering principles, system design, and be comfortable discussing architecture and code with your team.
• Education:
  • Bachelor’s degree in Finance, Economics, Computer Science, or a related field.
  • Master’s degree preferred.

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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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Automated Processing and AI

We 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.

Illinois residents – AI Notice and Right

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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.

If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.

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