Citi is looking for a senior product leader to shape and grow its Balance Transfer business within the U.S. Credit Cards portfolio, sitting within the On Card Spend and Lend organization and reporting to the On Card Lend Business Head. In this role, you will own the end-to-end product strategy for Balance Transfers - a key feature of Citi's lending continuum that helps consumers manage their credit repayment - driving performance, innovation, and a best-in-class customer experience across Citi Branded Cards. This is a high-impact opportunity to lead meaningful product decisions that directly influence portfolio growth, profitability, and the financial lives of millions of customers.
Responsibilities- Lead the implementation of the Balance Transfer product strategy across Citi Branded Cards, translating strategic direction into clear roadmaps and prioritized initiatives that deliver measurable portfolio growth.
- Define and enhance the Balance Transfer value proposition by building new capabilities and solutions in partnership with U.S. Branded Cards product and portfolio teams.
- Partner with Technology and Digital teams to design and deliver a seamless, end-to-end Balance Transfer customer experience across digital and physical touchpoints.
- Collaborate with Marketing, Risk, and Analytics teams to develop and deploy segmentation strategies, pricing models, and response optimization frameworks that improve profitability and customer take-up.
- Analyze product financial performance - including loans, originations, portfolio yields, net credit margin, return on assets, and NPS - and recommend targeted actions to improve returns.
- Identify and evaluate growth opportunities across Citi portfolios and external partnerships to expand and optimize Balance Transfer offers throughout the lending continuum.
- Maintain and strengthen the governance and control environment for Balance Transfer as a lending product, ensuring alignment with Citi's risk appetite framework.
Required Qualifications & Skills- Bachelor's degree with 10 or more years of experience in product management, financial services, or a related field.
- Demonstrated ability to develop and manage unsecured lending products, with a track record of driving portfolio performance and profitability.
- Experienced operating in complex, matrixed organizations, with the ability to align cross-functional teams - including Risk, Marketing, Technology, and Analytics - around shared goals.
- Strong analytical and strategic thinking skills, with the ability to interpret financial and performance data and translate insights into clear product recommendations.
- Effective communicator and influencer, capable of building trusted relationships with senior stakeholders and driving alignment across diverse teams.
- Customer-first mindset, with a genuine understanding of consumer financial needs and a commitment to delivering experiences that add real value.
- Results-oriented approach, with the discipline to execute on plans, manage competing priorities, and deliver outcomes within defined timelines.
Beneficial Skills & Qualifications- MBA or equivalent advanced degree in a relevant field.
- In-market experience working within the U.S. consumer lending or credit cards industry.
- Background in credit risk, with familiarity of how risk frameworks intersect with product strategy and lending portfolio management.
What We OfferJoining Citi means becoming part of one of the world's most connected financial institutions, where your work has a tangible impact on customers and the business at scale. This role offers senior leaders the opportunity to drive strategy, shape a meaningful product, and build lasting influence within a high-performing, globally connected team.
- Hybrid working model with 3 days in the office and 2 days working remotely, giving you flexibility and structure to do your best work.
- Strategic ownership of a high-visibility product with direct influence on Citi's U.S. Credit Cards lending portfolio and business performance.
- Access to Citi's global network and cross-functional expertise, enabling collaboration with leading professionals across product, risk, technology, and marketing.
- Ongoing learning and professional development opportunities to deepen expertise and grow your leadership capabilities.
- Comprehensive financial wellbeing support, including competitive compensation and benefits tailored to senior professionals.
- Wellbeing and work-life balance programs designed to support your health, energy, and long-term performance.
Apply today to take ownership of a strategically important product at Citi and help shape the future of consumer lending for millions of customers across the U.S.
Job Family Group: Consumer Sales
Job Family:Consumer Product Sales
Time Type:Full time
Primary Location:Wilmington Delaware United States
Primary Location Full Time Salary Range:$156,160.00 - $234,240.00
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:Sep 01, 2026
Automated Processing and AIWe use automated processing, including artificial intelligence, for our legitimate business interests (or our reasonable and appropriate business purposes) to identify and align the candidate's skills and abilities with a specific job opening. Additionally, if you so choose, or consent, we can match your skills and abilities to other suitable roles at Citi.
Importantly, all our hiring processes and decisions, including determining your suitability for a role, are conducted, checked, and decided by individuals. Our automated processing and AI do not involve relying on automatic or autonomous decision-making. Please refer to any Jurisdictional Considerations, with specific provisions for your country (where relevant) for further details.
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