Head of Small Business Card Products, Director (Hybrid)

US Consumer Cards—one of Citi's five core businesses—is an industry powerhouse and significant driver of Citi’s overall strategic vision and growth trajectory, serving over seventy million customers nationwide through our innovative credit card offerings and comprehensive loyalty ecosystem. Within US Consumer Cards, our Rewards & Loyalty team delivers proprietary Reward Products including our Strata, Cash & Small Business portfolios, alongside our rich ThankYou and Citi Travel loyalty offerings.

Rewards & Loyalty is seeking a Head of Small Business Products, Director to drive growth, customer engagement, and competitive positioning across the Small Business portfolio in a rapidly evolving market. In this senior leadership role, you will own the end-to-end strategy for Small Business card products, setting direction for a dedicated team, and driving outcomes across acquisitions, customer experience, and product development. You will sit at the heart of Citi's US Consumer Cards growth agenda, directly shaping how the business competes and wins in the small business segment.

Responsibilities:

• Lead the acceleration of Small Business card growth and customer retention by defining go-forward strategies informed by analytics and market dynamics across small business card products.
• Own the Small Business cards portfolio P&L end-to-end, serving as the accountable executive for all financial outcomes, performance targets, and ongoing portfolio monitoring — including revenue, credit, and expense drivers.
• Deliver continuous product enhancements to keep Citi's Small Business cards competitive, including the development of refreshed value propositions and new capabilities across existing and emerging channels.
• Partner with key stakeholders to drive customer engagement and deliver against key drivers and P&L imperatives.
• Partner across functions to resolve customer issues, improve core customer experience, and deepen engagement with Citi’s Small Business Banking segments.
• Build and manage external partnerships and deployment opportunities to expand the reach and impact of Small Business products.
• Lead, develop, and support a team dedicated to the small business segment, instilling a culture of accountability, commercial discipline, and continuous development.
• Embed a strong risk and control mindset into all business decisions — upholding Citi's policies, ethical standards, and regulatory obligations, escalating issues with transparency, and holding the team accountable to the same standards.
• Ensure compliance and consistency with Citi’s Compliance & Control policy and local regulatory guidelines.

Qualifications

• 15+ years sales management experience. People management experience. Extensive experience in the small business banking segment.
• Deep knowledge of consumer/small business banking products and the competitive landscape, with the ability to translate market insight into clear commercial strategy.
• Record of delivering and managing P&L outcomes in a metric-driven environment.
• Proven ability to collaborate across functions, leading and working alongside key internal and external partners to deliver shared outcomes.
• Solid understanding of compliance obligations and regulatory requirements in a consumer financial services context, with a clear commitment to ethical conduct and risk-aware decision-making.

Education

• Bachelor’s/University degree, Master’s degree preferred and managerial experience

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Job Family Group

Consumer Sales

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Job Family

Consumer Product Sales

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Time Type

Full time

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Primary Location

New York New York United States

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Primary Location Full Time Salary Range

$170,000.00 - $300,000.00

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.

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Most Relevant Skills

Please see the requirements listed above.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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Anticipated Posting Close Date

Sep 21, 2026

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Automated Processing and AI

We 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.

Illinois residents – AI Notice and Right

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Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster.