C

Citi

Runs banking and payments for global clients

Principal Software Engineer

Full-TimeUpdated
PLN354.5k - PLN603.7k+ Annual discretionary incentive award
Expert
Bachelor's, Master's
Warsaw, Poland
HybridHybrid model currently allows up to 2 days working at home per week.
Software EngineeringBackend Engineering

About the job

Requirements
  • A bachelor's or master's degree in Computer Science, Computer Engineering, Information Technology, or a related quantitative field, or equivalent practical experience.
  • Extensive experience in software engineering and system architecture, with a demonstrated history of delivering mission-critical enterprise systems.
  • Advanced expertise in modern backend languages and frameworks such as Java, Python, Go, or C++, distributed computing, concurrent systems, and event-driven architectures such as Apache Kafka.
  • Proven experience with cloud platforms, containerization including Docker and Kubernetes/OpenShift, API gateways, and distributed caching technologies.
  • Strong proficiency with relational and distributed database technologies, high-volume data processing pipelines, and analytical engines.
  • Exceptional communication, stakeholder management, and negotiation skills with technical teams and senior business leaders.
  • A proven track record of developing engineering talent and leading cross-functional delivery streams.
  • Capability to deconstruct ambiguous, complex business challenges into structured technical designs.
Responsibilities
  • Analyze complex business workflows, enterprise systems, and industry standards to architect scalable, resilient, and high-throughput solutions for next-generation risk systems.
  • Define, evolve, and implement engineering methodologies, coding standards, testing automation, and continuous integration and continuous delivery practices across the full software development lifecycle.
  • Lead the technical integration of complex enterprise functions and platforms to accelerate product deployments and enhance operational capabilities.
  • Use technical expertise across end-to-end data pipelines, microservices, and system flows to drive technological transformation.
  • Direct and execute technical milestones for multi-million-dollar, cross-functional programs and multi-stream initiatives.
  • Consult with business stakeholders, quantitative risk managers, and operations users to translate functional specifications into technical architectures.
  • Maintain code quality, performance profiling, fault tolerance, and security across distributed application services.
  • Allocate engineering workloads, establish delivery milestones, and coach senior developers, engineers, and analysts.
  • Influence and align architectural roadmaps with senior technology and business leadership and external technology partners.
  • Foster collaboration across globally dispersed teams in the Americas, EMEA, and APAC.
  • Assess and mitigate technical, operational, and regulatory risks in engineering decisions.
  • Ensure platforms adhere to enterprise governance, data privacy policies, regulatory requirements, and security controls, and promptly escalate and resolve control issues.
Desired Qualifications
  • Financial Services or Risk Technology experience is strongly preferred.

About the company

Citi runs banking, investment and payment services for companies, governments and individuals around the world. Its global network connects institutions with local banking systems, while its US consumer business sells credit cards and deposit accounts. Corporate clients use Citi to manage cash, finance trade and raise capital, and investors use its trading, custody and wealth services to hold and manage assets. The bank earns interest on loans and fees from payments, securities transactions, financial advice and account services. Citi traces its banking roots to 1812; the Citigroup holding company was formed in 1998, and its headquarters are in New York City.

Company Size

10,001+

Company Stage

IPO

Headquarters

New York City, New York

Founded

1812

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Simplify's Take

What believers are saying

  • Revenue is expanding: Citi reported $24.8 billion in the June 2026 quarter, up 14% year over year.
  • US parents get protected time: eligible Citi employees receive 16 weeks of bonding leave at full base pay.
  • Institutional deposits are sticky: Citi says around 80% of Services deposits come from clients with relationships exceeding 15 years.

What critics are saying

  • Lending losses remain substantial: Citi's net credit losses reached $2.4 billion in the June 2026 quarter.
  • Australian hybrid roles require office time: Citi sets a minimum of three office days weekly for designated hybrid positions.
  • Job cuts carry a cost: Citi booked roughly $500 million in severance in the March 2026 quarter.

What makes Citi unique

  • Corporate payments move at scale: Citi processes around $6 trillion daily through its Treasury and Trade business.
  • Deposits move beyond banking hours: Citi Token Services transfers cash between participating Citi branches around the clock.
  • Employees use a shared AI workspace: Citi's Stylus platform reaches over 180,000 people for research and multi-step workflows.

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Benefits

  • Health Insurance
  • Dental Insurance
  • Vision Insurance
  • Life Insurance
  • Disability Insurance
  • 401(k) Retirement Plan
  • 401(k) Company Match
  • Wellness Program
  • Paid Vacation
  • Paid Sick Leave
  • Paid Holidays

Company News

Yahoo Finance
Oct 28th, 2026
Citi's Sieg still backs private credit as BDC withdrawals hit 13% and wealth inflows reach $38B

Citi still recommends private credit to clients, said Andy Sieg, head of its wealth management unit, despite strain in the market. He told CNBC the bank treats private credit and private equity as long-term building blocks, not trades. Withdrawal requests at non-traded private credit funds run well above their typical 5% quarterly caps. At 11 of the 14 largest non-traded business development companies, requests averaged 13.0% in the third quarter, down from 13.9% in the second. Citi's wealth revenue rose 15% in the third quarter, its tenth straight quarter of growth. A record $38 billion in net new investment assets flowed in, mostly from existing clients. The International Monetary Fund has warned that private credit could amplify market stress.

Finimize
Oct 27th, 2026
Saudi Aramco Lines Up A $10 Billion Credit Facility

Bloomberg says the revolving loan could be priced at 60 basis points over SOFR, with lenders including HSBC, Citi, JPMorgan, and major Chinese banks.

Traders Union
Oct 26th, 2026
Blackstone unveils $63B Broadcom financing deal with BofA, Citi and Morgan Stanley

Blackstone has announced a $63 billion financing deal with Broadcom and a group of banks that includes Bank of America, Citi, and Morgan Stanley. Its shares edged higher on the day, trading at $119.06. The asset manager has a market value near $136.61 billion. Fifty of 93 analysts rate the stock a buy, with a median price target of $138, about 15.9% above the current level. Shares sit at support around $118.74 and trade below their 50-day and 200-day moving averages. A close above $125.04 would signal buyers are following through, while a drop below $118.74 would suggest the move is fading.

Yahoo Finance
Oct 26th, 2026
Citi offers up to 4.35% savings yield to win share of customers' $3T held elsewhere

Citi is offering higher savings rates to draw more of its customers' money to the bank. The $2.6 trillion-asset lender says clients hold about $3 trillion in assets elsewhere. Citigold private clients will get a 4.35% annual percentage yield, Citigold customers 4%, and Citi Priority clients 3.5%. Customers also need a checking account and a certain direct deposit amount, or an average balance in investment accounts. The tiers range from $30,000 to $1 million-plus in combined average monthly balance. "This is a disruptor to stop money in motion," said Kate Luft, head of retail banking. In the third quarter, Citi's wealth unit logged $38 billion in net new investment assets. Citigold and retail bank revenues rose 16%, to about $2.3 billion.

Yahoo Finance
Oct 26th, 2026
Citigroup returns 24.7% in a year as $30B buyback and margin gains test bull and bear views

Citigroup shares returned 24.7% over the past year, including dividends, after the bank reported record revenue, earnings ahead of forecasts, and a $30 billion buyback plan. The stock now trades at $121, up from $96.69 at the start of the period. Revenue rose from $19,836 million in Q3 2025 to $21,423 million in Q3 2026. Net income climbed from $3,439 million to $4,840 million, lifting net margin from 17.3% to 22.6%. Simply Wall St's bullish case puts fair value at $103, built on 6.9% revenue growth and a 19.3% margin from digital transformation and cross-border payments. The cautious case sets it at $77, citing heavy spending and regulatory pressure. The key test is whether Citigroup can turn services growth and AI-driven efficiency into durable double-digit returns on tangible common equity.