Pam Habner

Pam Habner is the Head of Branded Cards and Unsecured Lending for Citi. She has a proven track record as an inspiring and forward-thinking leader, guiding her teams to create client-centric products and benefits that serve their financial needs in unique and innovative ways. At Citi, Pam leads the end-to-end management of the Branded Cards and Lending business, including proprietary products such as Citi Strata Elite and Double Cash, and cobrand cards with marquee partners including American Airlines, Costco and AT&T. She is also responsible for Citi’s ThankYou Rewards platform, Citi Travel, innovative lending solutions, including Citi Flex Pay and Flex Loan, and the overall credit card customer experience. Pam serves as the Co-Chair of the U.S. Personal Banking Talent and Engagement Council and she is on the steering committee for Citi’s Global Women’s Network. Pam joined Citi’s Executive Management Team in November 2025.