Kartik Mani

Kartik Mani is the Head of Retail Services at Citi, a tentpole business for U.S. Personal Banking which includes Citi’s private label and co-branded credit cards with leading retailers, and connected commerce solutions. In this role, he is responsible for driving the strategy and end-to-end performance of a business with $6.6 billion in annual revenues and more than 40 million active clients. In addition, he leads the development of Citi’s Consumer Connected Commerce propositions globally. He also has oversight across the Cards and Lending businesses in Hong Kong, Singapore and United Arab Emirates.

Prior to his current role, Kartik held the position of CEO of Citi’s Consumer Bank across APAC & EMEA. In this role, he was responsible for all consumer banking activities including Deposits, Citi Banking Propositions such as Citigold & Citi Private Client, Bancassurance, Credit Cards, Personal Loans, and Mortgages. He was also responsible for driving the divestiture strategy and implementation across all 13 APAC & EMEA markets.

Prior to joining Citi, Kartik was the Global Head of Credit Card and Lending at American Express, and has held senior leadership roles across Capital One, Lloyds Banking Group, HSBC, and Standard Charted Bank.