Director, Subsector Head – Digital, Technology & Communications

Citi

. Lead credit underwriting standards, approval readiness, and portfolio oversight for the DTC subsector .

Posted 5/5/2026full-timeSan Francisco • California, New York • 🇺🇸 United StatesLead💰 $200,000 - $300,000 per yearWebsite

About the role

Key responsibilities & impact

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

What you’ll need

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

Benefits

Comp & perks

medical, dental & vision coverage
401(k)
life, accident, and disability insurance
wellness programs
paid time off packages, including planned time off (vacation) and unplanned time off (sick leave)

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

credit underwritingcredit risk managementcommercial lending productsrisk ratingscollateral considerationsunderwriting efficiencycredit processesportfolio oversightapproval readinessrisk/reward analysis

Soft Skills

leadershipmentorshipcommunicationpresentation skillscollaborationcritical thinkingproblem-solvingdecision-makingteam developmentclient relationship management

Certifications

advanced degreeformal credit training