Sonia Balastegui-Murphy currently serves as the Head of Credit Engagement Strategy & Analytics at Citi since June 2025. Prior to this role, Sonia held the position of Director of Credit Risk Strategy & Analytics at Santander Bank, N.A. from July 2022 to June 2025. Sonia's earlier experience includes roles at JPMorganChase as Executive Director overseeing Planning and Analysis as well as Credit Risk & Modeling Analytics from 2018 to July 2022. At Toyota Financial Services Corporation, Sonia worked as Senior Manager for Credit Loss Forecasting CECL & IFRS9 and Manager of Lease Finance & Analytics from 2012 to 2018. Sonia began a career at BNY as VP and Manager of Fund Reporting and Analytics from 2006 to 2012. Sonia holds a Master of Business Administration in Finance from Pepperdine University and a Bachelor of Science in Business with a focus on Management Information Systems from UMass Boston.
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