Abstract The formation of carbon─heteroatom bonds is a key strategy that enables the modular construction of molecules in synthetic chemistry, but activating inert carbonyl compounds to forge C─X bonds remains a longstanding synthetic challenge. Herein, we report a universal visible light‐driven photocatalytic system that enables efficient C─X (X = SS, S, Se) bond formation under mild, redox–neutral conditions. Guided by Marcus electron transfer theory, we employed a computational redox‐pair screening strategy to identify triplet‐state pathways with optimal electronic coupling matrix element (H if ) and thermodynamic alignment. High‐level multireference calculations confirmed an ultrafast single‐electron transfer mechanism with ultrafast kinetics approaching the diffusion limit. To translate this mechanistic insight into a functional platform, we designed a dual‐functionalization strategy for α‐diketones, wherein one carbonyl acts as a conventional synthon while the other forms a light‐responsive dihydroquinazolinone (DHQZ) radical precursor. This system exhibits broad substrate scope, excellent functional group tolerance, and compatibility with late‐stage functionalization of bioactive scaffolds. Overall, this study establishes a general and mechanistically predictive photocatalytic strategy that transforms Marcus theory from a conceptual foundation into a design principle for efficient, light‐driven C─heteroatom bond construction.