Citi
Overview
The US Branded Cards Finance organization is part of Citi’s US Personal Banking Finance organization and supports the US Branded Cards business, one of the largest credit card businesses in the US. The US Branded Cards business focuses on growing and expanding its products across Proprietary and Co-Branded offerings, digitizing and optimizing customer experiences, and managing emerging payment solutions. The group remains a critical financial contributor to firmwide performance.
The Value & Lending Finance function supports the Value & Lending Business Head, General Managers of sub-product lines, and the LFO of the US Branded Cards business. It provides financial and analytical support for products such as Simplicity, Diamond Preferred, and Personal Installment Loans, as well as lending programs including Flex Loan and Flex Pay. The team delivers business counsel, analyzes financial data, and provides transparency to internal and external stakeholders. It collaborates closely with the US Cards Line of Business to understand financial results and drive performance for day-to-day operations and long-term strategic decisions, including new product development and launches.
Position Summary The Value & Lending Lead Finance Officer will report to the Lead Finance Officer for the US Branded Cards business and directly support the Head of Value & Lending within the Branded Cards & Lending business. The role is responsible for driving performance for Citi’s Value & Lending portfolio and other customer borrowing programs. The candidate will provide business counsel and work cross-functionally with Product, Marketing, Risk, Accounting, Analytics, and Finance to determine portfolio strategy and ensure the portfolio achieves its short- and long-term financial goals through prudent investment decisions and ongoing financial management.
Key Responsibilities
Support the Value & Lending Product team through daily business counsel, analysis, forecasting, strategic planning, and business development activities. Provide all aspects of financial oversight including budgeting, reporting, and planning.
Work with Product leadership to manage financial issues and achieve strategic and tactical financial targets.
Partner cross-functionally with Business leadership to assess business drivers, P&L performance, and maintain a high standard of controls.
Develop analytical frameworks and create business cases to support financially sound strategic decisions for product-related investments and changes to customer product offerings and pricing.
Oversee and manage forecasted marketing investment decisioning processes.
Drive expense discipline and evaluate critical investment opportunities.
Monitor and analyze portfolio performance vs. expectations and communicate results to Card and Finance Senior Management with timely updates through periodic business reviews.
Represent Finance at business forums.
Prepare presentations for Senior Management with insights on product portfolio performance.
Collaborate with business partners to drive strategic initiatives aimed at optimizing returns.
Qualifications and Skills
Bachelor's degree in Accounting or Finance; professional accounting certification and/or MBA preferred
15+ years of relevant experience in financial services with a focus in consumer banking, preferably in a large complex organization with responsibilities across multiple businesses
Conversant in accounting, treasury, tax, and legal implications related to product financials
Ability to build strong relationships and interact at all levels in the organization
Experience managing, leading, and developing a small, high-performing team
Strategic thinker with ability to work independently with business partners
Ability to influence senior executives while working through conflict and ambiguity
Excellent interpersonal, communication (written, presentation, verbal) and leadership skills with strong attention to detail
Strong financial Excel modeling skills with the ability to drive top-down strategic and operational plans
High integrity
Job Details
Job Family Group:
Finance
Job Family:
Finance Management
Time Type:
Full time
Primary Location:
New York, New York, United States
Primary Location Full Time Salary Range:
$170,000.00 - $300,000.00
In addition to salary, Citi’s offerings may also include 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.
Most Relevant Skills
Please see the requirements listed above.
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
Anticipated Posting Close Date:
Sep 29, 2025
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, please review accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster.
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The Value & Lending Finance function supports the Value & Lending Business Head, General Managers of sub-product lines, and the LFO of the US Branded Cards business. It provides financial and analytical support for products such as Simplicity, Diamond Preferred, and Personal Installment Loans, as well as lending programs including Flex Loan and Flex Pay. The team delivers business counsel, analyzes financial data, and provides transparency to internal and external stakeholders. It collaborates closely with the US Cards Line of Business to understand financial results and drive performance for day-to-day operations and long-term strategic decisions, including new product development and launches.
Position Summary The Value & Lending Lead Finance Officer will report to the Lead Finance Officer for the US Branded Cards business and directly support the Head of Value & Lending within the Branded Cards & Lending business. The role is responsible for driving performance for Citi’s Value & Lending portfolio and other customer borrowing programs. The candidate will provide business counsel and work cross-functionally with Product, Marketing, Risk, Accounting, Analytics, and Finance to determine portfolio strategy and ensure the portfolio achieves its short- and long-term financial goals through prudent investment decisions and ongoing financial management.
Key Responsibilities
Support the Value & Lending Product team through daily business counsel, analysis, forecasting, strategic planning, and business development activities. Provide all aspects of financial oversight including budgeting, reporting, and planning.
Work with Product leadership to manage financial issues and achieve strategic and tactical financial targets.
Partner cross-functionally with Business leadership to assess business drivers, P&L performance, and maintain a high standard of controls.
Develop analytical frameworks and create business cases to support financially sound strategic decisions for product-related investments and changes to customer product offerings and pricing.
Oversee and manage forecasted marketing investment decisioning processes.
Drive expense discipline and evaluate critical investment opportunities.
Monitor and analyze portfolio performance vs. expectations and communicate results to Card and Finance Senior Management with timely updates through periodic business reviews.
Represent Finance at business forums.
Prepare presentations for Senior Management with insights on product portfolio performance.
Collaborate with business partners to drive strategic initiatives aimed at optimizing returns.
Qualifications and Skills
Bachelor's degree in Accounting or Finance; professional accounting certification and/or MBA preferred
15+ years of relevant experience in financial services with a focus in consumer banking, preferably in a large complex organization with responsibilities across multiple businesses
Conversant in accounting, treasury, tax, and legal implications related to product financials
Ability to build strong relationships and interact at all levels in the organization
Experience managing, leading, and developing a small, high-performing team
Strategic thinker with ability to work independently with business partners
Ability to influence senior executives while working through conflict and ambiguity
Excellent interpersonal, communication (written, presentation, verbal) and leadership skills with strong attention to detail
Strong financial Excel modeling skills with the ability to drive top-down strategic and operational plans
High integrity
Job Details
Job Family Group:
Finance
Job Family:
Finance Management
Time Type:
Full time
Primary Location:
New York, New York, United States
Primary Location Full Time Salary Range:
$170,000.00 - $300,000.00
In addition to salary, Citi’s offerings may also include 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.
Most Relevant Skills
Please see the requirements listed above.
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
Anticipated Posting Close Date:
Sep 29, 2025
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, please review accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster.
#J-18808-Ljbffr