Jyoti Menon

I have been in FinTech before it was called FinTech. Product management leader with a track record of building omni-channel solutions at scale. Passionate about elevating individuals through community service. With over 20 years of experience in product management, strategy, and development, Jyoti Menon is an accomplished and seasoned financial services leader. She has a proven track record of delivering next-generation digital solutions that elevate customer experiences, drive revenue growth, and streamline operations across global and diverse markets. As Vice President of Product at Bread Financial, Jyoti leads the development and growth of best-in-class digital and servicing experiences. Her portfolio includes payments, collections, rewards and loyalty, and multi-channel customer servicing. Under her leadership, the organization continues to advance innovative solutions that meet evolving customer needs. Prior to joining Bread Financial, Jyoti served as Director of Payments for Citi, where she focused on digital wallets, e-commerce, bill payments, and funding strategies. She began her career in product management at American Express as part of the Global Corporate Services team, where she developed robust mobile travel and expense solutions for corporate travelers. Over the course of her career, she has successfully launched global marketing tools, redesigned client reporting systems, and forged and managed key strategic partnerships. Jyoti is deeply committed to service and education. She is a Trustee on Barnard College’s Board of Trustees and was honored with the Columbia Alumni Association Award in 2023 for her outstanding contributions to the College. She also received the Outstanding 50 Asian Americans in Business Award for 2024. Additionally, she serves on the boards of the Shanti Bhavan Children's Project—an institution dedicated to lifting families out of poverty through education—and the Indo-American Arts Council. Jyoti holds a Master’s degree in International Affairs from Columbia University’s School of International and Public Affairs, and a Bachelor’s degree from Barnard College, Columbia University.