Zoher Karu is Managing Director and Head of Data & Analytics for Citi’s Global Consumer Banking business in Asia Pacific and EMEA. He joined Citi in late 2017 and is responsible for leveraging data and advanced analytics to drive growth across all lines of business across all 17 markets. Prior to Citi, Zoher was most recently Chief Data Officer at eBay where he was responsible for using data, analytics and insights from over 170 million active buyers globally to drive personalization, marketing strategies and new site experiences. Before eBay, Zoher was Vice President of Marketing Analytics and Insights at Sears Holdings. He has held similar analytics-related roles at other firms and began his career at consulting firm McKinsey & Co. He holds a Ph.D. in Electrical Engineering and Computer Science from MIT and a B.S. in Electrical Engineering from Carnegie Mellon University.