MD Head of Wholesale Credit Technology - C16

MD Head of Wholesale Credit Technology - C16

The Global Head of Wholesale Credit Technology will be responsible for defining, driving, and executing the technology strategy and roadmap for Wholesale Credit, encompassing direct ownership of the Helios application for credit production and LoanIQ for loan servicing. This critical leadership role will also be responsible for guiding the overall technology strategy for wholesale credit applications managed within other CIO groups (e.g., Trade Loans in Services, F+S in Markets). The focus will be on leveraging domain knowledge, cloud skills, and advanced technologies like AI to drive efficiency, transform credit and loan processing, and enhance overall business growth while navigating rapidly evolving market expectations and regulatory requirements. This role will report directly to a senior technology leader within Citi's Chief Information Office.

This leader will be instrumental in increasing efficiency, enhancing controls, and providing innovative technology solutions for wholesale credit, serving as the face of Wholesale Credit Technology.

Objective:

We are seeking a visionary "renaissance" leader with a profound entrepreneurial mindset, capable of creating, communicating, and executing a unifying digital vision across a global enterprise for Wholesale Credit Technology. The ideal candidate will be a senior technologist with exceptional technical acumen, proven leadership, extensive experience, and superior communication skills to influence change at all levels of the organization. This individual will serve as a disrupter within the industry, elevating requirements to drive our strategy throughout the organization, and shaping the future of global wholesale credit banking. They must possess a deep understanding of wholesale credit processes and how AI, cloud, and modern architectural patterns can transform credit and loan processing efficiency. Developing and leading a large team of ambitious strategists and engineers, building strong collaborative relationships with senior leaders and key stakeholders, and driving the vision forward is essential. An ideal candidate will be comfortable not only leading and influencing but also diving into the technical details and rolling up their sleeves to ensure execution excellence.

Key Responsibilities:

• Define and execute a comprehensive global wholesale credit technology strategy, directly overseeing the Helios application for credit production and the LoanIQ application for loan servicing.
• Provide strategic guidance and oversight for wholesale credit technology applications managed by other CIO groups (e.g., Trade Loans in Services, F+S in Markets) to ensure alignment with overall business objectives and technology standards.
• Drive continuous innovation and digital transformation across wholesale credit processes, leveraging cutting-edge technologies, with a strong focus on the strategic integration of Artificial Intelligence (AI) to enhance credit and loan processing efficiency, provide predictive insights, and personalize offerings.
• Lead the transformation agenda around the use of AI and cloud capabilities to significantly improve the efficiency and effectiveness of loan and credit processing.
• Lead, inspire, and grow a diverse global engineering organization of technologists, fostering a culture of technical excellence, agility, and continuous improvement, particularly in wholesale credit domains.
• Collaborate closely with product, risk, compliance, and other business partners to ensure that digital strategies, campaigns, targeting, pricing, and offer designs align with the overarching strategic vision and desired portfolio economics to optimize credit risk management and client retention, with a strong emphasis on digital channels and customer journey optimization.
• Partner with business leaders to define the vision, mission, and focus for wholesale credit products that address the key needs of our customers, keeping abreast of rapid shifts in digital behavior and technological advancements.
• Set clear objectives, key results, and metrics to measure the success of new initiatives, product development, and experiences delivered across the wholesale credit ecosystem, including metrics related to AI-driven efficiencies and processing improvements.
• Approach projects holistically by translating the global vision into detailed technology roadmaps for wholesale credit, leading cross-functional teams (potentially 1000+ engineers) through ownership and delivery of end-to-end solutions for all Wholesale Credit channels, ensuring agility in response to changing consumer demands and competitive digital landscapes.
• Lead the execution of key technology initiatives by forming collaborative partnerships with colleagues across businesses and functional areas globally, prioritizing digital-first solutions in wholesale credit. This includes strong collaboration with Risk, Product, and Business stakeholders.
• Partner with product teams to streamline and eliminate customer and internal pain points, delivering easy and intuitive digital experiences across Wholesale Credit, while ensuring the highest standards of digital security and data integrity.
• Maintain a high level of interaction and synergy with business, operations, risk, and analytics functions across the globe.
• Manage a massive team of technologists/engineers to oversee the transition from strategy to implementation: from roadmap to releases and sprints, from epics to stories, validating the experience along the way in Wholesale Credit Technology.
• Cultivate an agile and results-driven culture where innovation and excellence are expected within a large-scale global technology organization.

Qualifications:

• 20+ years of experience, including 15+ years' managerial experience directly managing high-performing technology teams with demonstrable and measurable results, ideally within a large-scale global financial institution, with significant exposure to wholesale credit technology transformation and customer experience innovation.
• Consistent record as a senior technology leader (e.g., Department Head, VP, Director), managing multi-functional and strategic enterprise projects involving 1000+ engineers.
• Previous program/project management, consulting, technology, and/or management experience is highly valued.
• Extensive experience in the Wholesale Credit space, shaping technology strategy, driving customer adoption, managing balance sheet growth (assets under management), and long-term retention across various credit products in North American and international markets. Demonstrated success in adapting strategies to changing consumer expectations and market dynamics.
• Proven expertise and significant experience with the Helios and LoanIQ applications, including understanding of their functionality, architecture, and integration points.
• Proven ability to influence decision-making at all levels within a global organization and influence non-direct reports through data and a compelling vision in a variety of contexts.
• Deep technical knowledge, with the ability to break down complex technical challenges and understand the impact of those decisions on engineering at scale, particularly in cloud technologies and AI/ML.
• Brings a mix of entrepreneurial, startup/growth, and corporate-level scaled innovation leadership experience.
• Demonstrates sound business judgment, analytical acumen, business-centric mindset, and superior communication skills (written and verbal) essential for leading a global team and engaging with senior stakeholders.
• A proven track record of fostering a clear vision, translating that vision into actionable strategies, and delivering business-measurable outcomes at a global scale, with a strong focus on digital product delivery and customer satisfaction in wholesale credit.
• Deep domain knowledge and passion around emerging technologies (e.g., AI/ML, blockchain, cloud-native architectures) and how they will change wholesale credit experience in financial services globally, including expertise in digital fraud detection and cybersecurity.

Education:

• Bachelor's degree/University degree or equivalent experience
• Master's degree preferred