Portfolio Analytics & Strategy Specialist - Credit Portfolio Management

Position Overview

At PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. We are all united in delivering the best experience for our customers. We work together each day to foster an inclusive workplace culture where all employees feel respected, valued, and have an opportunity to contribute to the company's success. As a [position title] within PNC's [name of division] organization, you will be based in [city/state location of position].

As a Portfolio Analytics & Strategy Specialist within PNC's Credit Risk Management organization, you will be based in Pittsburgh, PA;
Philadelphia, PA;
Cleveland, OH; or Birmingham, AL. The CRM-CPM team safeguards and shapes PNC's enterprise credit portfolio, overseeing portfolio positioning and performance, defining and monitoring portfolio‑level credit risk appetite, and overseeing quantitative credit modeling and analytics. You will craft and communicate independent narratives on credit portfolio positioning, risk, and performance to key stakeholders.

• Provides financial and regulatory reporting and analyses to maintain adequate controls over the financial and regulatory reporting processes. Responsible for running complex business performance, risk, and operational analytics. May include development of analytical methods/models to assess market, credit, and/or operational risk of new and existing financial products.
• Leverages business/product expertise to rigorously analyze large datasets, improve risk‑adjusted returns, deliver profitable growth, and communicate conclusions. Synthesizes analytical results and develops, recommends, and implements business strategies that improve lending decisions, assist in managing risk, increase revenues, reduce exposure to losses, meet business goals, and improve performance.
• Applies predictive models, third‑party data, and other tools to develop and execute appropriate segmentation and targeting for acquisition and portfolio strategies to provide insight into portfolio risk. Manages engagements with internal and external information suppliers ensuring solutions are fit for purpose while maintaining appropriate governance and oversight.
• Works with business, credit, data, and model development partners to design, develop, and monitor test designs and analytical reporting to track and enhance strategies. Designs and enhances standard reporting suites for regular product/portfolio reviews.
• Collaborates with the line of business, Finance, and Risk partners to assess and establish credit risk appetite and to understand its implications, as well as to establish policies and procedures governing the identification, monitoring, and management of risk appetite.

• Minimum of 5+ years of industry‑relevant experience in commercial underwriting or credit.
• Bachelor's degree in finance, economics, statistics, or related field.
• Strong analytical thinking, credit risk knowledge, data analytics, financial analysis, model development, operational risks, quantitative modeling, and predictive analytics skills.
• Knowledge of regulatory environment in financial services and risk management banking.
• Experience working with large datasets and applying predictive models.

• Analytical Thinking, Credit Risks, Data Analytics, Financial Analysis, Model Development, Operational Risks, Quantitative Models, Risk Appetite.

• Analytical Approach, Banking Products, Big Data Management and Analytics, Business Analytics, Credit Risk, Mathematics of Financial Instruments, Operational Risk, Performance Measurement, Pricing Models and Analytics, Regulatory Environment - Financial Services, Risk Management Banking.

Roles at this level typically require a university/college degree with 5+ years of industry‑relevant experience. A comparable combination of education, job‑specific certification(s), and experience (including military service) may be considered.

Bachelor's degree.

No required certifications.

No required licenses.

PNC offers a comprehensive range of benefits to help meet your needs now and in the future.…