Java Developer- Cards and Payments

Citi; Pune District; Hybrid; INR 2,500,000 - 4,200,000; Full time

Benefits offered by this job

Hybrid work model

Job summary

Citi is seeking an experienced engineer to design and build enterprise applications in the cards and payments domain. You will analyze existing systems, develop scalable components, and ensure production-readiness while addressing security and compliance considerations.

You will mentor junior engineers, lead discussions with senior stakeholders, and help drive delivery in Agile, fast-paced teams across a global organization.

Qualifications

• 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: 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 for iterative delivery.
• Demonstrated ability to performance-tune high-volume enterprise transaction processing systems.

Responsibilities

• Design and build enterprise application enhancements by analysing existing systems and applying scripting tools.
• Develop software components against design specifications to ensure performant, scalable, and production-ready apps.
• Identify and remediate vulnerabilities through security analysis, testing and debugging.
• Act as primary technical authority for senior stakeholders and cross-functional teams.
• Mentor junior engineers and analysts to elevate team capability.
• Diagnose and resolve complex technical issues to restore stability quickly.
• Assess technology decisions against risk and compliance standards.

Skills

Core Java

J2EE

Spring Framework

Spring Boot

OpenShift

COBOL

DB2

REST/SOAP APIs

Git & CI/CD

Agile

High-volume systems

Education

Engineering or CS degree

Tools

NONE

Job description

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.
• 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.

Build the payments technology infrastructure that moves money for millions of people —

Job Family Group:

Technology

Job Family:

Applications Development

Time Type:

Full time

Most Relevant Skills

Please see the requirements listed above.

Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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.

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