Product Developer Wholesale Lending

The Product Developer is a strategic professional who stays abreast of developments within their field and contributes to directional strategy by applying this knowledge to their role and the broader business. This role is recognized as a technical authority within a specific area of the organization and requires a basic level of commercial awareness.

There are typically multiple individuals within the business who provide a similar level of subject-matter expertise. Strong communication and diplomacy skills are required to guide, influence, and persuade others, particularly colleagues across different areas and, on occasion, external customers.

The role has a significant impact on the business area through the delivery of complex initiatives and provides advice and counsel related to technology or operational matters. Work performed affects an entire area and ultimately contributes to the overall performance and effectiveness of the sub-function or job family.

Responsibilities:

• The Product Developer is responsible for activities related to the development or new products and/or features and functionality of products including developing business cases, requirements definition (BRDs), product enhancements innovation, feature and functionality definition based on market and industry research and trends and client needs

• This role manages the end-to-end product development lifecycle and will also scope product releases, agreeing to and tracking business priorities, incorporating regulatory and compliance requirements and investment tracking

• Creates a product vision aligned to business priorities and corresponding road-map to delivery

• Follows market, industry and client trends to own field and adapts them for application Citi's products and solutions platforms

• Develop plans, prioritizes, coordinates design and delivery of products or features to product release, and serves as product ambassador within user community

• Works in close co-ordination with Technology, Business Managers and other stakeholders to fulfill the delivery objectives

• Manages and implements a wide variety of products and solutions

• Identifies solutions ranging across data analytics, reporting, CRM, Trade Workflows and trade processing

• Responsible for delivering direct business results and advice regarding product development that necessitates a degree of responsibility over technical strategy

• Partners with senior team members and leaders and a widely distributed global user community to define and implement solutions

• Creates clear and specific project plans, business and technical requirements documents for product execution

• Interacts with business managers, technology, and sales to understand their long-term vision, discuss industry trends, and incorporate them into the product & solutions strategy

• Focuses on controls and governance, including performing Need-to-Know based security and access reviews, Access Approvals, controls testing and documentation

• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

Qualifications:

• 6+ years of relevant experience

• Experience in Wholesale Lending and Credit

• Ability to translate end user needs into tangible work products that technology engineers can move forward to develop (e.g., Process Flows, Requirements, Design Artifacts, Screen Mock Ups, etc.)

• Operate within a JIRA Agile environment driving product design process

• Define preventative and detective data controls to improve data quality and integrity

• Experience with AI and Digital Tools

• Perform data investigations to conduct exploratory and descriptive analysis of business datasets that require a high degree of accuracy with tight timescales

• Ability to work under pressure and manage deadlines or unexpected changes in expectations or requirements.

• Direct experience in end-to-end project delivery, preferably in product development

• Ability to structure and break down problems, develop solutions, and to drive to results

• Ability to build networks and relationships internally and externally

• Track record of working across multiple stakeholders and collaborating with various business, project and technology partners

• Project Management skills with experience leading large cross functional initiatives

• Knowledge of analytical tools

• Generation of reports and presentations for management

Education:

• Bachelor's/University degree or equivalent experience

• Master's degree preferred

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

Job Family Group:

Product Management and Development

Job Family:

Product Development

Time Type:

Full time

Primary Location:

Getzville New York United States

Primary Location Full Time Salary Range:

$92,000.00 - $138,000.00

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:

May 18, 2026

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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Citi is an equal opportunity and affirmative action employer.

Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.