AI Product Engineer for Banking Technology

Citi • Jersey City, NJ

1d • Hybrid

About The Position

We are seeking a visionary and hands-on AI Product Engineer to join our Banking Technology group. This is a senior-level, strategic role designed for a leader who thrives at the intersection of product management, artificial intelligence, and software engineering. You will be responsible for shaping the future of our financial products by identifying high-impact opportunities for AI and leading the end-to-end lifecycle from concept to scaled production. This is not a traditional development role. We are looking for a product-minded technologist who can bridge the gap between complex business challenges and cutting-edge AI solutions. You will be heavier on the "product" side—defining the vision, strategy, and roadmap—while maintaining the deep technical expertise to guide a cross-functional team in building and shipping world-class, AI-powered applications.

Requirements

• Experience: 10+ years of experience in technology, with a proven track record of shipping products from concept to launch in a product-centric or entrepreneurial role.
• Product & Engineering Hybrid: Demonstrated experience in a role that blends product management (defining the "what" and "why") with software engineering (defining the "how").
• AI/ML Expertise: Deep subject matter expertise in applying modern AI/ML techniques to solve real-world business problems. Experience with NLP, predictive modeling, or generative AI is highly desirable.
• Domain Knowledge: A strong understanding of core banking and financial technology domains (e.g., commercial banking, risk, transaction services, capital markets).
• Leadership: Proven ability to lead, mentor, and inspire cross-functional teams in a fast-paced, agile environment. Experience with project management and influencing without direct authority.
• Stakeholder Management: Exceptional communication and relationship-building skills, with the ability to build consensus and drive decisions among senior leaders and diverse stakeholders.
• Technical Acumen: While this is a product-heavy role, you should have a strong foundation in software engineering principles and be comfortable discussing architecture and code with your team.
• Education: Bachelor’s degree/University degree or equivalent experience

Nice To Haves

• Master’s degree preferred

Responsibilities

• Define the Vision: Own the product strategy for AI initiatives within Banking Technology. Analyze market trends, internal business processes, and user pain points to identify and champion new opportunities for AI-driven innovation.
• Drive the Roadmap: Translate the product vision into a clear, actionable roadmap. Develop and prioritize features, epics, and user stories to guide the engineering team.
• Lead from the Front: Act as the key technical and product leader for a dedicated team of engineers. Mentor team members, establish modern engineering best practices and foster a culture of excellence and rapid iteration.
• Bridge Business and Tech: Serve as the primary liaison between business stakeholders, end-users, and the development team. Articulate complex technical concepts to non-technical audiences and translate business requirements into robust technical designs.
• Hands-On Prototyping and Architecture: Be prepared to get hands-on with building proofs-of-concept and initial prototypes to validate ideas quickly.
• Champion and Influence: Influence and negotiate with senior leadership to secure buy-in and resources for your product vision. Communicate progress, challenges, and outcomes effectively across all levels of the organization.
• Manage Risk and Compliance: Uphold the firm's commitment to risk management and compliance. Ensure that all product decisions and technical implementations adhere to the highest standards of security, ethics, and regulatory requirements, safeguarding the firm and its clients.

Benefits

• 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.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Number of Employees: 5,001-10,000 employees