Job Description

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 and Cash portfolios, alongside our rich ThankYou and Citi Travel loyalty offerings.

Rewards & Loyalty is seeking a Director - Head of Fee Reward Products, driving growth, customer engagement, and competitive positioning across its premium card portfolio (Strata Premier and Strata Elite) in a rapidly evolving market. In this senior leadership role, you will own the end-to-end strategy for fee-based Reward 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 premium segment.

Responsibilities:

• Lead the acceleration of Fee Reward Product growth and customer retention by defining go-forward strategies informed by analytics and market dynamics across premium card products.

• Deliver continuous product enhancements to keep Citi's Fee Reward Products competitive, including the development of refreshed value propositions and new acquisition capabilities across existing and emerging channels.

• Partner with the Premium Customer Experience team to resolve customer issues, improve core customer experience, and deepen engagement with Citi's Retail and Wealth segments.

• Partner with key stakeholders to drive customer engagement and deliver against key drivers and P&L imperatives.

• Build and manage external partnerships and deployment opportunities to expand the reach and impact of Fee Reward Products.

• Lead, develop, and support a team of direct reports, instilling a culture of accountability, commercial discipline, and continuous development.

• Ensure compliance and consistency with Citigroup’s Compliance & Control policy and local regulatory guidelines.

• Ensure compliance in all internal and external dealings with customers, partners, and regulators.

• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency, as well as effectively supervise the activity of others and create accountability with those who fail to maintain these standards.

Required Qualifications & Skills:

• 15+ years’ experience in product management, marketing management, or similar capacities, preferably in the financial services industry, including 5+ years’ experience of team leadership and development.

• Deep knowledge of consumer 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.

• Bachelor's degree or equivalent university-level education.

Beneficial Skills & Qualifications:

• Master's degree in business, finance, or related discipline.

• Experience in fee-based or Reward products, loyalty programs, or premium consumer banking segments.

• Familiarity with analytics-led strategy development, including the ability to identify growth opportunities and risks through data.

• Experience developing Merchant Funded Value programs or managing external commercial partnerships.

What We Offer:

At Citi, senior leaders are given real ownership—of strategy, of teams, and of outcomes that matter. This is a role where your decisions will shape how millions of customers experience Citi's premium products, and where your leadership will directly influence the trajectory of a business competing at the highest level of the market.

• Hybrid working model—3 days in the office and 2 days working remotely, supporting flexibility alongside meaningful in-person collaboration.

• Strategic leadership visibility—a direct reporting line into senior leadership and an integral seat at the functional leadership table.

• Genuine ownership of a high-priority growth area, with the authority to shape product strategy, commercial partnerships, and team direction.

• The opportunity to lead and develop a team of talented professionals, with access to Citi's learning, coaching, and leadership development resources.

• Competitive compensation and financial wellbeing benefits, including access to Citi's broader employee rewards program.

• Wellbeing and family support resources designed to help you thrive both in and outside of work.

• A global network and collaborative culture, connecting you with colleagues and capabilities across Citi's international footprint.

Apply now to take ownership of one of Citi's most strategically important product areas and lead the next chapter of growth for our premium fee reward portfolio.

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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:

Jun 17, 2026

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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.

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