Subsector Head - Digital, Technology & Communications; DTC

Citi is seeking a Senior Credit Leader to join its Commercial Lending Management (CLM) team as Director of Commercial Credit for the Digital, Technology & Communications (DTC) Subsector, based in San Francisco, CA. In this role, you will serve as the primary credit authority for a portfolio of mid- to large‑sized technology, digital, and communications companies, partnering directly with coverage bankers and risk teams to deliver best‑in‑class lending solutions.

Reporting to the DTC Industry Head, you will shape the credit strategy and day‑to‑day portfolio management for one of Citi’s fastest‑growing commercial banking businesses, targeting companies with annual revenues generally between $100 million and $3 billion.

• Serve as the senior credit authority for the DTC subsector portfolio, leading pipeline reviews, risk assessments, and portfolio monitoring to maintain credit quality and drive timely lending decisions.
• Partner with coverage bankers and risk teams to structure and deliver a broad range of financial solutions — including working capital facilities, term loans, M&A financing, treasury management, trade finance, and interest rate derivatives.
• Review and approve credit packages prior to submission to senior credit officers, ensuring accuracy, completeness, and alignment with Citi’s credit policies and risk frameworks.
• Ensure the portfolio is appropriately risk‑rated, properly secured where applicable, and that early warning indicators are identified and addressed proactively.
• Mentor and develop senior credit officers and junior team members, building individual capability and elevating overall team performance across the subsector.
• Represent the DTC portfolio in senior internal forums and client discussions, communicating well‑reasoned credit views with clarity and confidence.
• Lead process improvement initiatives to enhance the efficiency, quality, and control environment of the end‑to‑end credit delivery process.

• 13 or more years of experience in commercial credit, corporate banking, or a related financial services discipline.
• Demonstrated expertise in credit underwriting, structuring, and portfolio management across a range of lending products, including syndicated loans, term facilities, and revolving credit.
• Sector knowledge in digital, technology, communications, or innovation‑driven businesses, with the ability to assess credit risk within these industries.
• Track record of leading and developing senior credit professionals, with accountability for team performance and talent growth.
• Ability to reach clear, well‑supported credit decisions under time pressure, with the confidence to defend positions to senior stakeholders.
• Experience identifying early‑stage credit deterioration and implementing effective remediation strategies across a live portfolio.
• Thorough knowledge of commercial lending regulations, credit risk frameworks, and the compliance obligations applicable to wholesale banking activities.

• Hybrid working model with 3 days in the office and 2 days working remotely, providing flexibility alongside meaningful in‑person collaboration.
• Strategic influence over a high‑growth commercial lending portfolio covering some of the most dynamic sectors in the market.
• Direct access to senior leadership and visibility across the organization through participation in high‑profile credit forums and client engagements.
• Opportunities to develop and lead a team of experienced credit professionals, with clear scope to build lasting impact through talent development.
• Competitive compensation and financial wellbeing benefits commensurate with a senior leadership position at a global financial institution.
• Access to learning and professional development resources to support continued growth at the Director level and beyond.

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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