Job Description Citi is looking for a Senior Programmer Analyst to join the Consumer Operations Technology team, contributing to the design, development, and delivery of application systems that directly support Collections & Recovery operations. In this role, you will apply deep technical expertise to build and improve software solutions that meet complex business needs, working with a high degree of autonomy within a collaborative global technology environment. This is an opportunity to make a tangible impact by shaping systems that matter — at scale, and at the centre of Citi's consumer technology landscape. Responsibilities Design, develop, and implement application systems and programs to address specific business requirements across Consumer Operations Technology. Build and maintain software solutions through all phases of the development lifecycle, including analysis, design, construction, testing, and deployment. Analyze complex application problems and evaluate business and system processes to recommend and deliver effective technical solutions. Develop and embed security measures as part of post-implementation reviews to ensure system integrity and long-term functionality. Collaborate with business users, clients, and cross-functional technology teams to define requirements and deliver advanced programming solutions. Contribute to feasibility assessments, IT planning, and time and cost estimation to support sound project decision-making. Define and uphold development standards and operating procedures and provide technical guidance to less experienced team members. Identify and escalate control and risk issues with transparency, ensuring technology decisions align with applicable standards and business ethics. Partners with multiple technology areas and management teams to ensure appropriate integration of functions to meet goals. Works closely with Product Owners, Business Analysts and Systems Analysts to determine and document Systems impacts and support requirements . Required Qualifications & Skills 10 years of experience in software application development, systems analysis, and programming. Expertise in application development and production support of large applications using Pega Infinity 24.x and above . Experience In working with transformation projects from legacy to Pega platforms is desirable. Domain expertise Loss Mitigation applications is an advantage . Hands-on experience with Python, applied to building and maintaining production-grade applications is a plus. Demonstrated ability to manage and deliver software projects from inception through to implementation. Familiarity with project management and consulting methodologies, with the ability to apply structured approaches to technical delivery. Ability to work independently under pressure, managing shifting priorities and deadlines without close supervision. Bachelor's degree or equivalent practical experience in a relevant technical discipline. Beneficial Skills & Qualifications Experience working within financial services or consumer technology environments, particularly in collections, recovery, or operations domains. Exposure to risk and compliance considerations within software development, including the ability to assess and mitigate technical risks. Experience acting as a subject matter expert or informal technical mentor to peers or junior analysts. What We Offer At Citi, you will work in a performance-driven global technology team where your contributions directly shape the systems and services that support millions of customers. We invest in the growth, wellbeing, and long-term success of our people. Hybrid working model with 3 days in the office and 2 days working remotely, supporting a sustainable work-life balance. Access to structured learning and development programmes to grow your technical and professional capabilities. Opportunity to work on complex, high-impact technology challenges within one of the world's largest financial institutions. Autonomy and ownership over your work, with scope to influence standards and practices within your team. Wellbeing support and financial benefits designed to provide long-term security and peace of mind. Collaboration with global technology teams, giving you exposure to diverse markets, tools, and approaches. Apply today and bring your expertise to a global technology team where your work drives real impact for Citi's customers and operations. ------------------------------------------------------ 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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