Director, Subsector Head – Digital, Technology & Communications
Citi
San Francisco, California
Full-Time
$100
OfficeDirector
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 is be based in San Francisco, 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.
Role Overview
The Subsector Head is responsible for credit strategy, underwriting oversight, and portfolio risk management for the Digital, Technology & Communications subsector. The role partners closely with Coverage leadership to execute on agreed strategy, with particular focus on pipeline management, less complex transactions, portfolio health, and control remediation.
In addition to credit oversight, this role plays a key leadership function in developing VP Credit Officers and junior staff, ensuring strong governance, consistent underwriting quality, and disciplined risk outcomes.
Key Responsibilities
Credit Strategy & Underwriting Oversight
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
Portfolio Management & Risk Governance
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
Senior Stakeholder Engagement
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
Leadership & Talent Development
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
Strategic Initiatives & Continuous Improvement
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
Qualifications & Experience
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
Advanced degree or formal credit training a plus, but not required
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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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