Director, Subsector Head – Digital, Technology & Communications

Citi • San Francisco, CA

10d • Hybrid

About The Position

Citi’s U.S. Commercial Bank (CCB) is a high‑growth platform serving emerging, mid‑market, and large companies with revenues ranging from $100 million to $3 billion. At the core of this platform is Commercial Lending Management (CLM)—an in‑business, first‑line credit organization that partners closely with Coverage, Product, and Independent Risk to deliver disciplined underwriting, strong portfolio oversight, and scalable credit solutions. We are seeking a Director, Subsector Head – Digital, Technology & Communications (DTC) to join the DTC Industry vertical, reporting directly to the U.S. CLM DTC Industry Head. This role can be based in San Francisco or New York, Citi’s primary hubs for technology, innovation, and commercial credit leadership. This is a senior Director‑level role with meaningful credit authority, leadership over VP Credit Officers, and high visibility across Banking, Risk, and executive stakeholders.

Requirements

• 13+ years of experience in commercial credit underwriting, credit risk management, or senior banking roles
• Strong experience supporting Digital, Technology, Communications, or innovation‑driven businesses
• Proven ability to exercise sound credit judgment and clearly articulate risk/reward views
• Leadership experience managing and developing senior credit professionals
• Executive‑level written, verbal, and presentation skills
• Experience in a large, complex financial institution
• Exposure to a broad range of commercial lending products
• Analytical Thinking
• Constructive Debate
• Escalation Management
• Financial Analysis
• Policy and Procedure
• Policy and Regulation
• Product Knowledge
• Risk Controls and Monitors
• Risk Identification and Assessment

Nice To Haves

• Advanced degree or formal credit training a plus, but not required

Responsibilities

• Lead credit underwriting standards, approval readiness, and portfolio oversight for the DTC subsector
• Partner with Coverage to assess transactions, structure solutions, and balance risk/reward trade‑offs
• Review and challenge approval packages prior to submission to Senior Credit Officer forums
• Lead pipeline, portfolio, and risk reviews across the subsector
• Ensure accurate risk ratings, classifications, collateral considerations, and early‑warning identification
• Drive remediation efforts and maintain strong compliance as a First Line of Defense leader
• Represent credit in client discussions and internal governance forums
• Serve as a trusted thought partner to Coverage, Product, Independent Risk, and Control functions
• Provide informed, balanced perspectives on credit risk and client solutions
• Lead and develop a team of VP Credit Officers and junior credit professionals
• Drive technical skill development, mentorship, and succession planning
• Promote consistent application of best practices across the subsector
• Lead or contribute to U.S. and global CLM initiatives
• Identify opportunities to improve underwriting efficiency, scalability, and controls
• Champion enhancements to credit processes supporting innovation‑driven clients

Benefits

• medical, dental & vision coverage
• 401(k)
• life, accident, and disability insurance
• wellness programs
• paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed