Citi is looking for a Flex Loan Consumer Product Sales Sr. Lead Analyst to lead the end-to-end product strategy for Flex Loan, a core feature within Citi's U.S. Credit Cards lending continuum that helps millions of consumers manage their borrowing needs. Sitting within the On Card Spend and Lend organization and reporting to the On Card Lend Business Head, this role shapes the direction, performance, and customer experience of a high-impact lending product. This is a senior opportunity for a product leader who wants to drive measurable portfolio growth and directly influence the financial lives of Citi's customers.
Responsibilities- Own and drive the Flex Loan product strategy across Citi Branded Cards, translating strategic direction into prioritized roadmaps and initiatives that deliver measurable portfolio growth.
- Define and strengthen the Flex Loan value proposition by developing new product capabilities and solutions in close partnership with U.S. Branded Cards product and portfolio teams.
- Lead the design and delivery of a seamless, end-to-end Flex Loan customer experience across digital and physical touchpoints in collaboration with Technology and Digital teams.
- Develop segmentation strategies, pricing models, and response optimization frameworks alongside Marketing, Risk, and Analytics teams to improve profitability and customer take-up.
- Analyze product financial performance across key metrics - including 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 Flex Loan offers throughout the lending continuum.
- Maintain the governance and control environment for Flex Loan 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 delivering portfolio performance and profitability improvements.
- Experience operating in complex, matrixed organizations, with a consistent ability to align cross-functional teams - including Risk, Marketing, Technology, and Analytics - around shared goals.
- Strong analytical and strategic thinking capability, with the ability to interpret financial and performance data and convert insights into clear, actionable product recommendations.
- Effective communicator and influencer, with a history of building trusted relationships with senior stakeholders and driving alignment across diverse teams.
- Customer-first approach, with a genuine understanding of consumer financial needs and a commitment to delivering product experiences that add measurable value.
- Disciplined execution mindset, with the ability to manage competing priorities and deliver outcomes within defined timelines.
Beneficial skills & qualifications- MBA or equivalent advanced degree in a relevant field.
- Direct experience working within the U.S. consumer lending or credit cards industry.
- Background in credit risk, including familiarity with how risk frameworks intersect with product strategy and lending portfolio management.
What we offerAt Citi, you will have the opportunity to lead high-impact product decisions at scale, working alongside talented teams across technology, risk, analytics, and marketing within one of the world's leading financial institutions. This role offers real ownership, strategic influence, and the chance to shape a product that directly affects the financial wellbeing of millions of customers.
- Strategic ownership of a flagship lending product with direct influence over portfolio performance and customer outcomes.
- A hybrid working model with 3 days in the office and 2 days working remotely, supporting a sustainable balance between collaboration and flexibility.
- Exposure to senior leadership and cross-functional teams across one of the largest U.S. credit card portfolios, building your network and professional influence.
- Opportunities for continued learning and career development within a global financial institution with broad product and business scope.
- A performance-driven environment where your work translates into tangible business results and measurable customer impact.
- Access to Citi's competitive benefits, financial wellbeing programs, and employee support resources.
Apply now to take ownership of one of Citi's most strategically important lending products and make a real difference in how customers manage their financial lives.
Job Family Group: Consumer Sales
Job Family:Consumer Product Sales
Time Type:Full time
Primary Location:New York New York United States
Primary Location Full Time Salary Range:$176,720.00 - $265,080.00
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 03, 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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