Job description

Services provides global solutions that help corporations, financial institutions, public sector and commercial clients optimize operations and drive their business forward. Through our five business lines – Liquidity Management Services, Payments, Trade & Working Capital Solutions, Investor Services and Issuer Services - we provide cash management, payments/receivables solutions, working capital solutions, post-trade securities services and issuer services across Citi’s global network. The Opportunity Citi's Services business is undergoing a profound AI-driven transformation. We are seeking an exceptional Director-level AI Product leader to define and own the end-to-end AI product strategy for a specific business line — whether that is Payments, Liquidity & Cash Management. This is a commercially-driven, business-first role where AI is the tool and measurable business outcomes are the mission. This role sits at the intersection of strategy, product, and commercial execution. You will act as the leader for your business line's AI agenda — owning the roadmap, the business case, the P&L impact, and the go-to-market strategy from concept through commercialization. What Makes This Role Distinct Unlike a platform or engineering-focused AI role, this position is defined by: • Deep ownership of a business line's AI agenda. • Direct client co-creation and external engagement to validate and shape AI solutions • A mandate to drive commercial outcomes — revenue, cost savings, and competitive differentiation — not just technology delivery • Leading a matrixed, global product team across multiple regions, functions, and regulatory environments Key Responsibilities: AI Strategy & Commercial Ownership • Define and own the global AI product vision, strategy, and multi-year roadmap for your assigned business line, aligned to enterprise AI standards and business objectives • Translate business challenges, client needs, and market dynamics into a prioritised, commercially-sound AI use case pipeline • Build and defend sophisticated business cases with full P&L accountability — evaluating every AI initiative by ROI, revenue potential, cost impact, and strategic fit • Set the commercial agenda: determine where to place strategic bets, how to sequence investments, and how to measure success Client-Facing AI Product Development • Lead the design and delivery of AI-powered products that create tangible, measurable value for clients — from intelligent payment orchestration and predictive receivables to AI-enhanced advisory solutions • Engage directly with enterprise clients to understand their pain points, co-create solutions, and validate products at every stage of the lifecycle • Translate complex client requirements into scalable, enterprise-grade AI products that can be commercialised and grown globally Go-to-Market & Scaling • Own the full product lifecycle from initial business case and client discovery through to go-to-market strategy, launch, and post-launch commercial iteration • Lead the geographic expansion of AI capabilities across 30+ markets, adapting solutions to local regulatory requirements while maintaining global design consistency • Champion AI adoption internally — identifying, prioritising, and deploying tools that improve operational efficiency and team productivity across the business line Responsible AI & Governance • Ensure all AI capabilities are built in line with Citi's enterprise risk standards — establishing model risk governance, data lineage, explainability standards, and regulatory compliance controls • Proactively partner with Legal, Risk, Compliance, and Model Risk to navigate the regulatory landscape from day one Senior Stakeholder Leadership • Cultivate deep partnerships across Sales, Technology, Operations, Finance, Risk, and Legal to drive alignment and consensus on the AI strategy • Serve as the authoritative voice for your business line's AI agenda with senior leadership, clients, and external partners Who We're Looking For Required • 12+ years of product management or product leadership experience, with a demonstrated track record of delivering large-scale, technology-led products • Proven experience building, launching, and scaling AI/ML-powered products from concept through commercialisation, ideally in financial services or FinTech • Demonstrated P&L ownership or direct accountability for a key business metric significantly improved through product launches • 5+ years of direct or indirect external client-facing experience; comfortable co-creating and validating products with enterprise clients • Deep domain expertise in at least one financial services vertical (Payments, Transaction Banking, LMS) • Deep understanding of AI concepts, model risk management, responsible AI frameworks, and enterprise governance requirements • Exceptional stakeholder management skills — ability to build consensus, influence without authority, and operate effectively in a matrixed global organisation • Outstanding communication skills; ability to translate complex AI concepts for executive, technical, and client audiences alike Preferred • Experience working within or alongside compliance, legal, or risk functions on regulated AI deployments • Familiarity with Generative AI, agentic AI tools, and their practical application to enterprise productivity and client workflows • Experience leading global product teams across multiple regions Success Measures • Revenue generated and cost savings delivered through AI-powered products • Speed of use case delivery from concept to commercialisation • Client adoption rates and NPS for AI-powered solutions • Quality and defensibility of business cases and ROI outcomes • Strength and depth of client co-creation relationships ------------------------------------------------------ Job Family Group: Product Management and Development ------------------------------------------------------ Job Family: Product Management ------------------------------------------------------ Time Type: ------------------------------------------------------ Primary Location: New York New York United States ------------------------------------------------------ Primary Location Full Time Salary Range: $170,000.00 - $300,000.00 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: ------------------------------------------------------ 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 . View Citi’s EEO Policy Statement and the Know Your Rights poster.

Requirements

Must-haves

What Makes This Role Distinct
Unlike a platform or engineering-focused AI role, this position is defined by:
Deep ownership of a business line's AI agenda.
Direct client co-creation and external engagement to validate and shape AI solutions
A mandate to drive commercial outcomes — revenue, cost savings, and competitive differentiation — not just technology delivery
Leading a matrixed, global product team across multiple regions, functions, and regulatory environments
AI Strategy & Commercial Ownership
Define and own the global AI product vision, strategy, and multi-year roadmap for your assigned business line, aligned to enterprise AI standards and business objectives
Translate business challenges, client needs, and market dynamics into a prioritised, commercially-sound AI use case pipeline
Build and defend sophisticated business cases with full P&L accountability — evaluating every AI initiative by ROI, revenue potential, cost impact, and strategic fit
Set the commercial agenda: determine where to place strategic bets, how to sequence investments, and how to measure success
Client-Facing AI Product Development
Lead the design and delivery of AI-powered products that create tangible, measurable value for clients — from intelligent payment orchestration and predictive receivables to AI-enhanced advisory solutions
Engage directly with enterprise clients to understand their pain points, co-create solutions, and validate products at every stage of the lifecycle

Nice-to-haves

Experience working within or alongside compliance, legal, or risk functions on regulated AI deployments
Familiarity with Generative AI, agentic AI tools, and their practical application to enterprise productivity and client workflows
Experience leading global product teams across multiple regions
Success Measures
Revenue generated and cost savings delivered through AI-powered products
Speed of use case delivery from concept to commercialisation
Client adoption rates and NPS for AI-powered solutions
Quality and defensibility of business cases and ROI outcomes
Strength and depth of client co-creation relationships
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Benefits

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Dental

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401(K)

Paid Time Off

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