Citi Core Trade Services is looking to transform how its flagship unfunded trade products (Letters of Credit, Guarantees) are distributed and experienced by clients. The goal is to architect a next-generation distribution strategy leveraging data analytics and AI to identify and penetrate new investor channels, build the necessary digital infrastructure, and enhance the client experience through commercializing digital channels, developing intelligent self-help tools, and using predictive analytics to preempt and eliminate client queries, ultimately aiming for a seamless, automated client journey and broader market reach.
Requirements
- Proven, hands-on expertise in trade finance products, specifically Letters of Credit and Guarantees, is non-negotiable.
- Demonstrable experience in developing and executing complex distribution or syndication strategies for financial instruments.
- Deep understanding of capital management, RWA accounting, and the regulatory frameworks governing trade finance distribution and risk participation. Ability to drive developments in Credit & Capital Treatment.
- A strong track record of leveraging data analytics to drive business decisions and measure success.
- Essential experience in identifying, prototyping, and implementing AI/ML solutions to solve business problems in a financial services context.
- Proven success in launching digital client solutions, improving UX/UI, and reducing operational friction.
- Exceptional strategic thinking, analytical, and problem-solving skills, with the ability to translate vision into actionable plans.
Responsibilities
- Develop and implement a global data-led strategy to distribute unfunded trade assets (e.g., LCs, Guarantees) to a broader investor base, including banks, Non-Bank Financial Institutions (NBFIs), insurance companies, and multilateral agencies.
- Utilize advanced analytics to identify market gaps, model risk-sharing structures, and create compelling investment propositions for new investor types.
- Lead the initiative to build or enhance the necessary digital infrastructure and technology systems (e.g., blockchain-enabled platforms, APIs, data pipelines) to enable efficient, transparent, and scalable distribution.
- Apply AI and machine learning models to optimize pricing, risk allocation, and investor matching.
- Own the end-to-end client journey, using data analytics to map pain points and identify opportunities for automation and improvement.
- Develop and execute the commercialization strategy for digital channels, leveraging data to personalize client interactions and drive adoption of electronic platforms (e.g., web, mobile, API).
- Spearhead the development of AI-powered self-help tools, chatbots, and intelligent process automation to empower clients and reduce manual intervention.
Other
- 8+ years of progressive experience in product management, structured finance, or distribution roles within transaction banking, trade finance, or a related field.
- Bachelor’s degree in Finance, Business, Economics, or a related field; MBA or other advanced degree is highly preferred.
- Outstanding communication, presentation, and influencing skills, with the ability to engage effectively with senior stakeholders, clients, and investors.
- Manage the product P&L, including budgeting, forecasting, and delivering on financial targets for the Core Trade Services product line.
- Provide strategic direction and thought leadership to regional product and sales teams, ensuring alignment with the global product vision.
