Head of Small Business Card Products, Director (Hybrid)

Citi • Irving, TX

5d • $170,000 - $300,000 • Hybrid

About The Position

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.

Requirements

• 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.

Nice To Haves

• Master’s degree preferred

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.

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: Director