Wealth Lending AI Product Manager - Director

Citi Group; New York (NY); On-site; USD 180,000 - 300,000; Full time

Job summary

Citigroup’s Citi Wealth Lending – Product Management group is seeking a forward-looking, AI-literate product leader to define and scale the next generation of wealth lending experiences for clients, advisors, and lending teams.

You will own product strategy and execution across lending solutions, collaborating with Technology, Risk, Legal, and Operations to translate emerging AI capabilities into secure, scalable products with measurable business value.

Responsibilities

• Lead the multi-year product vision, strategy, and roadmap for digital and AI-enabled wealth-lending capabilities.
• Own product discovery: customer interviews, advisor research, journey mapping, service-blueprint design, competitive analysis, and quantitative analysis.
• Identify client, lending advisor, underwriter, banker, operations, and risk pain points across the lending journey: eligibility, discovery, application, collateral evaluation, underwriting, documentation, booking, servicing, monitoring, renewals, and repayment.
• Build differentiated experiences for users such as lending opportunity insights, intelligent application preparation, proactive collateral alerts, and self-service servicing tools.
• Establish product metrics and operating cadences that connect experience improvements to commercial, operational, and risk outcomes.
• Identify and prioritize AI applications with Technology—machine learning and automation—across wealth lending where it is dependable and valuable.
• Lead intelligent document intake and extraction for financial statements, trust documents, collateral records, income verification, and loan documentation.
• Lead AI-assisted application preparation, exception handling, case routing, and lending-operations workflows.
• Deliver predictive insights for collateral concentration, utilization, refinancing, renewal likelihood, risk escalation, and client outreach.
• Write strong product requirements, user stories, workflows, acceptance criteria, and launch plans for conventional and AI-powered capabilities.
• Partner with Wealth Lending Technology, Wealth Intelligence, ML engineering, design, architecture, and platform teams to move from prototype to secure, production-grade products.
• Understand the AI lifecycle to make sound product decisions: data quality, model selection, retrieval and grounding, evaluation, prompt design, human review, monitoring, drift, feedback loops, incident handling, and rollback criteria.

Job description

Citi Wealth Lending - Product Management

Citi Wealth is a leading provider of financial solutions for affluent, high net worth and ultra-high net worth clients around the world. Our Private Bankers, Financial Advisors and Lending Advisors act as trusted advisors to many of the world's most successful and influential individuals and families.

We provide global insights informed by deep local knowledge and help deliver the complete financial management strategies that today's wealth requires. Our comprehensive services are tailored to individuals and families, including entrepreneurs and business owners, single-and multi-family offices, senior corporate executives, next generation/inherited wealth, law firms and attorneys. From investment strategy, to banking, to lending and cash management we are here to support our clients comprehensively.

Lending is a key offering within Citi Wealth. Lending provides competitive borrowing solutions that are strategically integrated into our client's broader Wealth Management goals. Our team provides lending solutions across all three client segments including Citi Private Bank, Wealth at Work, Citi Private Client and Citigold as part of their wider Citi relationship.

We are seeking a forward-looking, AI-literate product leader to define and scale the next generation of lending experiences for wealth clients, advisors, and lending teams. This person will own product strategy and execution across lending solutions including structured lending and related credit servicing capabilities.

The successful candidate combines deep innovative product design with sound understanding of credit, collateral, risk, and regulated financial-services operations. They view AI not as a standalone feature, but as a practical capability for improving decision quality, reducing operational friction, enhancing banker, Lending Advisor and Underwriting productivity, and delivering more timely, personalized client experiences.

This role sits at the intersection of wealth management, lending, data, technology, risk, and client experience. It requires someone who can turn emerging technologies-including machine learning, generative AI, document intelligence, predictive analytics, and workflow automation-into scalable, compliant products with measurable business value.

Responsibilities Include

• Lead the multi-year product vision, strategy, and roadmap for digital and AI-enabled wealth-lending capabilities.
• Own product discovery: customer interviews, advisor research, journey mapping, service-blueprint design, competitive analysis, and quantitative analysis.
• Identify client, lending advisor, underwriter, banker, operations, and risk pain points across the end-to-end lending journey: eligibility, discovery, application, collateral evaluation, underwriting, credit approval, documentation, booking, servicing, monitoring, renewals, and repayment.
• Build differentiated experiences for users such as lending opportunity insights, intelligent application preparation, proactive collateral alerts, and self-service servicing tools.
• Establish product metrics and operating cadences that connect experience improvements to commercial, operational, and risk outcomes.

AI-enabled product delivery

• Identify and prioritize appropriate applications of AI in partnership with Technology - including machine learning, and automation across wealth lending-not simply where technology is novel, but where it is dependable, economically valuable, and safe.
• Lead intelligent document intake and extraction for financial statements, trust documents, collateral records, income verification, and loan documentation.
• Lead AI-assisted application preparation, exception handling, case routing, and lending-operations workflows.
• Deliver predictive insights for collateral concentration, utilization, refinancing, renewal likelihood, risk escalation, and client outreach.
• Write strong product requirements, user stories, workflows, acceptance criteria, and launch plans for both conventional and AI-powered capabilities.
• Partner with Wealth Lending Technology, Wealth Intelligence, ML engineering, design, architecture, and platform teams to move from prototype to secure, resilient, production-grade products.
• Understand enough of the AI lifecycle to make sound product decisions: data quality, model selection, retrieval and grounding, evaluation, prompt design, human review, monitoring, drift, feedback loops, incident handling, and rollback criteria.

Lending, risk, and controls

• Ensure product designs respect the realities of wealth lending: breadth of borrower types, collateral volatility, concentration risk, advance rates, credit policy, documentation, and client communications.
• Work closely with Credit Risk, Legal, Compliance, Information Security, Model Risk, Privacy, and Operations to embed controls early rather than treating them as late-stage approvals.
• Define guardrails for AI-enabl