Java Developer- Cards and Payments

Citigroup Inc.; Chennai District; Hybrid; INR 1,500,000 - 2,500,000; Full time

Benefits offered by this job

Hybrid work model

Global exposure

Learning opportunities

Performance‑driven culture

Wellbeing benefits

Job summary

Citigroup Inc. is seeking a Senior Software Engineer to join its Application Development and Engineering team in Chennai.

You will design and deliver enterprise-grade solutions at the heart of the cards and payments ecosystem, owning technical delivery end to end and influencing senior stakeholders. The role requires 5–8 years of hands-on experience, strong Java/Spring or mainframe modernization skills, and a proven ability to build scalable, secure, high‑availability systems in a global

Qualifications

• 5–8 years of hands-on experience designing and delivering enterprise applications in payments.
• Degree in Engineering or Computer Science (graduate/postgraduate).
• Proficiency in Core Java/J2EE, Spring, and microservices architectures.
• Experience with CI/CD, Git, and Agile development methodologies.

Responsibilities

• Design and build enterprise enhancements by analyzing existing systems and applying scripting tools.
• Develop software components against design specs for performant, scalable applications.
• Identify and remediate vulnerabilities via security analysis, testing, and debugging.
• Act as technical authority for senior stakeholders and cross-functional teams.
• Mentor junior engineers and analysts to accelerate delivery.
• Diagnose and resolve complex issues to restore stability quickly.
• Assess tech decisions against risk and regulatory standards.

Skills

Core Java/J2EE

Spring Framework

Spring Boot

RHEL OpenShift

z/OS COBOL

API gateways

REST/SOAP

Git CI/CD

Agile development

Performance tuning

Education

Engineering or Computer Science degree

Tools

Git

CI/CD tooling

Testing frameworks

Job description

Citi is looking for a Senior Software Engineer to join its Application Development and Engineering team, where you will design and deliver enterprise-grade solutions at the heart of the global cards and payments technology ecosystem. In this role, you will own technical delivery end to end, acting as a subject matter expert to senior stakeholders while shaping the systems that process transactions for millions of customers worldwide. You will bring 5–8 years of hands‑on engineering experience to a high‑performing team operating at global scale.

Responsibilities

• Design and build enterprise application enhancements by analysing existing systems, interpreting code, and applying scripting tools to deliver targeted, high-quality solutions.
• Develop software components against design specifications using core programming languages, ensuring applications are performant, scalable, and production-ready.
• Identify and remediate application vulnerabilities through structured security analysis, testing, and debugging across the full development lifecycle.
• Act as the primary technical authority for senior stakeholders and cross‑functional teams, translating complex engineering challenges into clear, actionable recommendations.
• Mentor junior engineers and analysts, sharing technical knowledge to elevate team capability and accelerate delivery.
• Diagnose and resolve complex technical issues by drawing on accumulated engineering experience and established solution patterns to restore stability quickly.
• Assess technology decisions against risk and compliance standards, escalating control issues transparently to protect the integrity of Citi's platforms and clients.

Required qualifications & skills

• Degree in Engineering or Computer Science at graduate or postgraduate level.
• 5–8 years of hands‑on experience designing and delivering enterprise applications in the cards and payments domain.
• Proficiency in at least one of the following technology stacks: Core Java (1.7+), J2EE, Spring Framework, Spring Boot, and RHEL OpenShift; or IBM z/OS, COBOL, JCL, CICS, VSAM, and DB2 in a SYSPLEX or CICSPLEX environment.
• Practical experience building microservices architectures and integrating API gateways, RESTful or SOAP web services, and Open APIs.
• Hands‑on use of Git-based version control alongside CI/CD pipeline tooling and automated testing frameworks.
• Solid working experience in Agile development methodologies, with the ability to deliver consistently within iterative, fast‑paced team environments.
• Demonstrated ability to performance‑tune complex, high‑volume enterprise transaction processing systems with a focus on reliability, scalability, and recovery.

Beneficial skills & qualifications

• Experience modernising mainframe applications and integrating legacy systems with event‑driven, distributed, or cloud‑native architectures.
• Exposure to messaging technologies such as Kafka or Solace, and databases including DB2, Oracle, and MongoDB.
• Practical experience embedding AI and prompt engineering tools into day‑to‑day engineering workflows.
• Familiarity with the cards and payments industry, including current trends in transaction processing and payment scheme evolution.
• Prior delivery experience within large Agile teams using Scrum methodology across geographically distributed organisations.

What we offer

At Citi, you will work on technology that operates at a scale few organisations can match, alongside engineers who take ownership of outcomes and hold themselves to a high standard of delivery. This is a role for someone who wants real impact, ongoing technical growth, and the autonomy to shape how global payments technology evolves.

• A hybrid working model with 3 days in the office and 2 days working remotely, giving you flexibility alongside meaningful team collaboration.
• Ownership of complex, high‑stakes engineering challenges within one of the world's leading financial institutions.
• Access to continuous learning and technical development opportunities to keep your skills current as technology evolves.a
• Exposure to global teams and cross‑regional projects, broadening both your technical and professional perspective.
• A performance‑driven environment where your contributions are recognised and your career progression is actively supported.
• Wellbeing support and a range of financial benefits designed to provide long‑term security and work‑life balance.

Job Family Group:

Technology

Job Family:

Applications Development

Time Type:

Full time

Most Relevant Skills

Please see the requirements listed above.

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