Jyoti is a product management, strategy, and development professional with 20 years of experience in delivering next-generation financial services products. Jyoti has developed strategy and led execution for large-scale, global products through her ability to define vision, collaborate across multiple teams, and work through changing environments and priorities.
Jyoti is currently Vice President at Bread Financial, where she leads their mobile app and their digital lending suite. She is responsible for product strategy and delivery of the Bread Financial mobile app as well as the digital lending platform (split pay, installment loans, personal loans).
Prior to Bread, Jyoti was Director and Head of Digital Wallets/eCommerce, Bill Payments, and Funding at Citi. She managed relationships and led strategy for multiple digital wallet partnerships, and owned Citi’s bill payments and consumer-centric funds transfer product and strategy.
Jyoti started her career in digital product management as a member of the Global Corporate Services team at American Express, where she focused on building robust mobile travel and expense solutions for corporate travelers. In prior roles, she launched global marketing tools, redesigned client reporting solutions, and has owned and developed key partnerships.
Jyoti is a Trustee on Barnard College’s Board of Trustees. She also serves on the Board of the Shanti Bhavan school in India that aims to bring children and their families out of poverty through a world-class education.
Jyoti holds a Master’s in International Affairs from the Columbia University School of International and Public Affairs and a bachelor’s degree from Barnard College, Columbia University.
She works tirelessly for her charitable interest and dedicates her spare time to causes like Children’s Hope India, a foundation that helps disadvantaged children in India, and sits on a board of multiple organizations like the prestigious Newark Museum, and the International Advertising Association.