Ujjwal Sinha is Head of Product at Citi, where he leads the strategy and roadmap for the bank's global data, identity, and payments platforms. He is responsible for building the API-first foundations that enable product and engineering teams to deliver secure, scalable financial products at enterprise scale. A two-time founder with more than 16 years of product leadership experience, Ujjwal has held senior roles at Citi, Thomson Reuters, Walmart, IBM, and Flipp, building products across AI, payments, platforms, and enterprise software. His career spans everything from launching startups to scaling products used by thousands of customers around the world.