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About the Role

The Subsector Head is responsible for credit strategy, underwriting oversight, and portfolio risk management for the Digital, Technology & Communications subsector. This role partners closely with Coverage leadership to execute on agreed strategy, with a focus on pipeline management, less complex transactions, portfolio health, and control remediation. The role also plays a key leadership function in developing VP Credit Officers and junior staff, ensuring strong governance, consistent underwriting quality, and disciplined risk outcomes.

Responsibilities

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.
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.
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.
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.
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.

Requirements

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.

Skills

Analytical Thinking
Credible Challenge
Financial Analysis
Governance
Policy, Procedure, and Regulation
Risk Management Lifecycle

Location

San Francisco, California, United States

Work Type

Full time

Experience Level

Director-level
Senior Director-level

Education Level

Advanced degree or formal credit training a plus, but not required

Salary/Compensations

$200,000.00 - $300,000.00

Benefits

Discretionary and formulaic incentive and retention awards.
Medical, dental & vision coverage.
401(k).
Life, accident, and disability insurance.
Wellness programs.
Paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays.

About the Company

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.

Equal Opportunity

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 review Accessibility at Citi.
View Citi’s EEO Policy Statement and the Know Your Rights poster.