Sr. Financial Officer

The US Branded Cards Finance organization is part of Citi’s Global Consumer Bank Finance organization and supports the US Branded Cards business, one of the largest credit card businesses in the US. The US Branded Cards business continues to focus on growing and expanding its products across its Proprietary and CoBranded offerings, radically digitizing and optimizing customer experiences, and managing emerging payment solutions. As a Citi business with attractive returns and efficiencies, the US Branded Cards business continues to remain in the spotlight.

The Value, Lending and Commerce function supports both the Value Lending and Commerce CEO and the CFO of the US Branded Cards business. The organization provides financial and analytical support for Citi’s suite of US Proprietary Branded Cards such as Simplicity and Diamond Preferred. The team is responsible for providing business counsel, analyzing financial data, strategic support, supplying executive management with insights to make informed decisions, and providing other internal and external stakeholders with the transparency to understand the dynamics driving the business.

The group works closely with the Cards Line of Business to understand the financial results and drive performance on both a tactical day to day basis as well as for long term strategic decisions such as development and launch of new products. Job Description The Personal Loan Products Lead Finance Officer will report into the Lead Finance Officer for the Value, Lending and Commerce business and directly support the Head of Value, Lending and Commerce Products within the Cards business.

This role will have full responsibility for driving performance for Citi’s Personal Loan portfolio and the development of new lending product features. The candidate will provide business counsel and work cross-functionally with Product, Marketing, Risk, Accounting, Decision Management and Finance to determine the strategy for the Cash portfolio, as well as being responsible for ensuring for portfolio achieves its short and long-term financial goals through prudent investment decision making.

Key Responsibilities Support the Personal Loan 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 through financial issues and to achieve strategic and tactical financial targets. Partner cross-functionally with Business leadership to assess business drivers, P&L performance and to 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. Accountability for development of the forecast and marketing investment decisioning processes. Drive Expense discipline and evaluate critical investment opportunities. Monitor and analyze the performance of the portfolio versus expectations and effectively communicate performance to Card and Finance Senior Management with clear, timely updates through periodic business reviews.

Represent Finance at Business forums. Prepare decks for Senior Management with insights on product portfolio performance. Along with business partners, drive key strategic initiatives.

Qualifications and Skills Bachelor's degree in Accounting or Finance, professional accounting certification and/or MBA preferred 10+ 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 with regards to decisions being made on 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 a strong attention to detail Strong financial excel modeling skills with the ability to drive top down strategic and operational plans ------------------------------------------------------ Job Family Group: Finance ------------------------------------------------------ Job Family: Finance Management

------------------------------------------------------ Time Type: Full time ------------------------------------------------------ Primary Location: Schaumburg Illinois United States ------------------------------------------------------ Primary Location Full Time Salary Range: $144,480.00 - $216,720.00 In addition to salary, Citi’s offerings may also include, for eligible employees, 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: Oct 27, 2026 ------------------------------------------------------ Automated Processing and AI We use automated processing, including artificial intelligence, for our legitimate business interests (or our reasonable and appropriate business purposes) to identify and align the candidate's skills and abilities with a specific job opening.

Additionally, if you so choose, or consent, we can match your skills and abilities to other suitable roles at Citi. Importantly, all our hiring processes and decisions, including determining your suitability for a role, are conducted, checked, and decided by individuals. Our automated processing and AI do not involve relying on automatic or autonomous decision-making. Please refer to any Jurisdictional Considerations, with specific provisions for your country (where relevant) for further details.

Illinois residents – AI Notice and Right ------------------------------------------------------ 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.

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