C

Citizens Financial Group

Runs consumer and commercial banking services

Principal Software Engineer

Full-TimeUpdated on 10/23/2026
No salary listed
Senior
Bachelor's
Phoenix, AZ, USA
HybridTelecommuting is permitted 1 day per week.
Software EngineeringBackend Engineering

About the job

Requirements
  • A bachelor's degree, or foreign equivalent, in Computer Engineering or a related field is required.
  • Seven years of progressive, post-baccalaureate experience as a Principal Software Engineer, Application Architect, Technical Architect, Consultant, Computer System Engineer, or related position developing and designing software solutions is required.
  • Seven years of experience implementing mainframe modernization initiatives using distributed architectures tailored for large scale and high performance is required.
  • Seven years of experience conceiving and crafting core banking solutions for financial institutions is required.
  • Seven years of experience utilizing microservices architecture and related patterns, including CQRS, Event Sourcing, and Domain-Driven Design, to build scalable and resilient systems is required.
  • Seven years of experience with container technologies including Docker and orchestration platforms including Kubernetes, OpenShift, and Rancher is required.
  • Seven years of experience designing and implementing distributed architectures spanning multiple middleware layers is required.
  • Seven years of experience utilizing Java Mission Control, Java Flight Recorder, JProfiler, and VisualVM for profiling, monitoring, analyzing, and troubleshooting application performance is required.
  • Experience with cloud platforms and next-generation technology transformation using ROSA (Red Hat OpenShift Service on AWS), EKS (Elastic Kubernetes Service), and AWS services to enable cloud-compliant, secure, and highly available solutions is required.
  • Experience with Java, Spring Boot, JAX-RS, Jersey, Spring SOAP, Apache Camel, Spring Integration, Spring Batch, Spring Transaction, Spring MVC, and Spring WebFlux is required.
  • Experience designing and implementing machine-learning engines using K-Means and T-Digest algorithms to identify and report data outliers is required.
Responsibilities
  • Lead end-to-end design of observability solutions encompassing hosting infrastructure, applications, networks, databases, and related systems.
  • Evaluate emerging products through research and proof-of-concept work and provide strategic recommendations for adoption.
  • Guide solution architects and technical teams in implementing architecture blueprints and roadmaps.
  • Architect and lead engineering teams implementing observability pipelines and unified observability solutions using commercial and open-source tools, products, and in-house applications and services.
  • Architect and implement AIOps-based solutions to reduce mean time to resolve and mean time to detect and prevent system outages from affecting the brand.
  • Plan and execute highly parallel distributed object-storage transformations and migrations.
  • Lead vendor governance and performance management to ensure external technology partners deliver scalable, secure, and cost-effective solutions aligned with business objectives.
  • Lead collaborative projects with small software engineering teams.
  • Develop automation, processes, and tools to make services simpler and more robust.
  • Advise management on service-onboarding strategies and execution.
  • Serve as a liaison among stakeholders, including executive leadership, Cloud Engineering, SRE, and platform teams.
  • Build and lead a high-performing, multicultural team across geographies, fostering collaboration and inclusive leadership.
  • Lead and manage a team of professionals, providing direction, support, and performance feedback to ensure individual and team success.
  • Coach and manage team members, supporting career development and skill-building.

About the company

C

Citizens Financial Group

View

Citizens Financial Group runs consumer and commercial banking businesses for households, small firms and larger companies, alongside wealth management. Through Citizens Bank, it accepts deposits, processes payments and lends for homes, education and business needs through branches and digital channels. Its commercial teams manage corporate cash flows, arrange financing and advise on mergers and acquisitions, while its private bank serves wealthy families and business owners. The group earns interest on loans and securities, pays interest on deposits and charges fees for financial services and advice. Its banking roots date to 1828, and it is headquartered in Providence, Rhode Island.

Company Size

10,001+

Company Stage

IPO

Headquarters

Providence, Rhode Island

Founded

1828

Get referred to Citizens Financial Group

See people who can refer or advise you

Simplify Jobs

Simplify's Take

What believers are saying

  • Profits support stability: July 2026 reporting showed Citizens earned $587 million in the second quarter, up 35% yearly.
  • Wealth services broaden: Citizens added an insurance advisory team for business owners and families in May 2026.
  • Employees build retirement savings: Citizens adds 1.75% of eligible earnings annually plus matching contributions after one year.

What critics are saying

  • Borrower defaults still cost money: July 2026 reporting showed Citizens wrote off $135 million net in the second quarter.
  • Rate changes affect earnings: Citizens' floating-rate loans reprice faster than its core deposits, according to its 2025 filing.
  • Part-time health coverage has limits: Citizens requires scheduled work above 20 hours weekly for plan eligibility.

What makes Citizens Financial Group unique

  • Citizens gathers deposits beyond branches: its Citizens Access division runs entirely online.
  • Citizens finances Apple purchases directly: Citizens Pay is the lender named in Apple's credit agreement.
  • Citizens targets private equity buyers: its 2025 review reports fourth place in sponsor-backed middle-market M&A deal volume.

Help us improve and share your feedback! Did you find this helpful?

Benefits

  • Health Insurance
  • Dental Insurance
  • Vision Insurance
  • Parental Leave
  • Flexible Work Hours
  • Tuition Reimbursement
  • Wellness Program
  • Paid Vacation
  • Paid Sick Leave

Company News

Yahoo Finance
Oct 16th, 2026
Citizens Financial Q3 net income jumps 29% to $636M, dividend up 13%, $1.95B buyback

Citizens Financial Group reported third quarter 2026 net income of $636 million, up 29% from a year earlier. Earnings per share rose 34% year on year and 8% from the previous quarter, to $1.41. Return on tangible common equity was 15.1%. Operating leverage was a positive 5.3% year on year. The board raised the quarterly dividend by $0.06, or 13%, to $0.52 per share, payable on November 13, 2026. It also increased its share repurchase capacity to $1.95 billion, $1.3 billion above the $650 million remaining under the prior authorisation. Chairman and chief executive officer Bruce Van Saun said he is confident in the outlook for the fourth quarter and for 2027.

Inc.
Oct 8th, 2026
Stord Secures $400 Million And Wants to Be Bigger Than Amazon

Stord is about to cross $1 billion in revenue. The buzzy logistics star is just getting started.

Yahoo Finance
Sep 14th, 2026
Citizens Bank sues SoFi over poaching 30 mortgage staff who generated $5M in revenue

Citizens Bank has sued SoFi, alleging the digital lender poached 30 mortgage employees since 2024, affecting operations across nine states. The lawsuit centres on two employee groups, particularly nine Connecticut-based staff who resigned in June within minutes of each other. Citizens claims SoFi "strategically orchestrated" the departures, which represented $400 million in closed loans and $5 million in revenue the previous year. The bank alleges employees transferred confidential client data before leaving. The Connecticut departures eliminated 70% of the branch's mortgage producers and 80% of mortgages, essentially wiping out Citizens' market presence there. Three additional Connecticut employees have since joined SoFi. A SoFi spokesperson called the lawsuit "a baseless allegation and a clever attempt to prevent Citizens employees from pursuing career opportunities elsewhere.

Morningstar
Aug 26th, 2026
NewPower Worldwide expands credit facility to $750M to support global growth

NewPower Worldwide, an electronics distributor, has expanded its committed credit facility to $750 million. The increased capacity will enable the company to invest in inventory, support customer growth, and capitalise on global supply chain opportunities. Since its founding in 2014, NewPower has grown to 14 offices across the Americas, EMEA, and APAC, with $5 billion in annual sales and more than $1 billion in inventory worldwide. The facility expansion strengthens the company's ability to purchase strategically and support large-scale customer requirements. Chief executive officer Carleton Dufoe said the expanded facility provides additional capacity to secure inventory and respond faster to market opportunities. Citizens led the increased credit facility to support NewPower's growth objectives. The New Hampshire-based company distributes electronic components and finished goods to OEMs, EMS providers, and supply chain partners worldwide.

Associated Press
Jul 16th, 2026
Citizens Financial Group reports Q2 2026 net income of $587M, up 35% YoY

Citizens Financial Group reported second quarter 2026 net income of $587 million, up 35% year-over-year, with earnings per share of $1.30, up 41% year-over-year and 15% quarter-over-quarter. The Providence, Rhode Island-based bank, which has $233.8 billion in assets, attributed the results to strong revenue growth and favourable credit performance. Chairman and CEO Bruce Van Saun highlighted progress on strategic initiatives, including growth in the Private Bank, record wealth fees, and record second quarter fees in capital markets. The company also announced successful launch of a new consumer mobile platform and progress on its "Reimagine the Bank" initiative. Citizens' board declared a quarterly dividend of $0.46 per share, payable on 13 August 2026 to shareholders of record on 30 July 2026.