Jyoti Menon

Jyoti Menon
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 VP, Digital Product and Analytics at Bread Financial, where she owns the digital product for Bread’s complex lending product suite. She is responsible for product strategy and delivery as well as platform, product, and fin-rev analytics.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.
Transforming the Season: How Gen Z and Millennials Are Reshaping Holiday Commerce

Gen Z and millennials are known disrupters — and the retail landscape is their latest target. Specifically, their payment choices signify a shifting consumer spending landscape this holiday season. While the economic projected outlook is tentatively positive — despite inflation stubbornly persisting and an increasingly volatile economic landscape — Adobe expects U.S. online holiday sales to hit…