Director, In‑Business Credit Industry Head, Senior Vice President

Citi’s U.S. Commercial Bank (CCB) is a strategic growth engine serving innovation‑driven companies with revenues ranging from $10MM to $3B. At the core of CCB’s credit model is Commercial Lending Management (CLM)—an in‑business credit organization that partners directly with Coverage, Product, and Independent Risk to deliver disciplined, scalable, and market‑leading lending solutions.

We are seeking a Director, In‑Business Credit Industry Head for Digital, Technology & Communications (DTC). This role reports to the North American Head of CLM and is a key member of the senior credit leadership team, with responsibility for credit strategy, underwriting standards, portfolio risk oversight, and talent leadership across one of Citi’s highest‑growth industry verticals. The role provides material credit risk ownership, senior decision authority, and enterprise visibility, based in San Francisco or New York, Citi’s primary hubs for technology, media, and communications clients.

Role Overview

The Industry Head (Director) leads the end‑to‑end credit lifecycle for the DTC portfolio, overseeing underwriting, structuring, documentation, and ongoing portfolio management. This role manages a large, experienced team of credit officers and analysts and serves as a senior thought partner to Coverage, Syndications, Independent Risk, and Product leadership. This is a true senior leadership role, combining strategic direction, credit approval oversight, and people leadership, with direct influence on Citi’s capital deployment, risk posture, and growth strategy within the Digital, Technology & Communications sector.

Key Responsibilities

Credit Strategy & Risk Ownership

• Own approval oversight and risk management for a material credit portfolio across Digital, Technology & Communications clients

• Set underwriting standards and credit risk approach aligned with Citi’s risk appetite, business strategy, and regulatory expectations

• Lead underwriting, diligence, structuring, and documentation for complex commercial lending transactions

Portfolio Management & Emerging Risk

• Direct pipeline pre‑screening with Relationship Management to assess credit suitability and identify key risks early

• Lead quarterly and annual portfolio reviews, including rating accuracy, covenant performance, and classification

• Proactively identify emerging sector risks and drive portfolio‑level mitigation strategies

Senior Stakeholder Engagement

• Serve as a senior credit partner to Coverage, Syndications, Independent Risk, Treasury, and Product leadership

• Represent the DTC portfolio in senior credit committees, governance forums, and selected client discussions

• Provide industry thought leadership and credit perspectives to internal and external stakeholders

People Leadership & Capability Development

• Lead, develop, and retain a high‑performing, diverse team of senior credit professionals

• Build strong succession pipelines and mentor next‑generation credit leaders

• Champion continuous improvement of industry‑specific credit expertise across CCB

Governance, Controls & Strategic Initiatives

• Ensure strong governance, controls, and regulatory compliance across the portfolio (First Line of Defense accountability)

• Sponsor and lead North American and global CLM initiatives, including policy evolution and process transformation

• Drive training and capability‑building efforts to strengthen credit excellence across the organization

Qualifications & Experience

• 15+ years of experience in senior credit decision‑making roles within a large financial institution

• Extensive experience underwriting and managing complex commercial credit transactions

• Deep knowledge of the Digital, Technology & Communications ecosystem, including sector‑specific risks and performance drivers

• Proven leadership experience managing and developing large credit teams

• Demonstrated ability to exercise independent judgment with significant approval authority

• Prior Senior Credit Officer / Director‑level authority preferred

• Experience across a wide range of wholesale lending products (working capital, term loans, M&A, treasury, derivatives)

• Advanced degree (MBA) or formal executive credit training preferred

Salary

Primary Location Full Time Salary Range: $170,000.00 - $300,000.00

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.

Relevant Skills

Analytical Thinking, Constructive Debat