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 of our employees feel respected, valued and have an opportunity to contribute to the company’s success. As a Portfolio Analytics & Strategy Specialist within PNC's Data, Modeling & Analytics Credit Portfolio Management organization, you will be based in Denver, CO.

• Responsible for developing subject matter expertise for your assigned industries.
• Perform research, analytics and assessment of risks stemming from assigned industries that may impact PNC’s Commercial & Industrial portfolio.
• Responsible for developing risk management and grow strategies based around commercial risk/return metrics.
• Collaborate with cross-functional teams, including credit risk management, finance, operations, and model development, to ensure alignment and execution of strategic initiatives.

This position primarily supports PNC’s C&IB business in the first line as well as credit partners in the second line. This role may require a combination of python coding skills, financial reporting and analysis, proficiency with Tableau and a foundational understanding of the commercial business and metrics. You will also rely on strong communication skills to share complex analytical results with non-technical audiences.

PNC's commitment to leadership in risk management means you will always be at the leading edge of bank technology and techniques. All the while, you'll benefit from access to senior professionals within the field in a friendly, open, and engaging environment.

• Experience with distilling complex data and feedback into concise standalone presentations.
• Experience manipulating data and performing analysis in Tableau and Excel.
• Proficiency in data analytics tools including Python (PySpark) and SQL.
• Understanding of the fundamentals commercial banking and banking products.
• Able to demonstrate thought leadership and strategic thinking for decision making.
• Skill in exercising initiative and using good judgment to make sound decisions.
• Skill to influence, negotiate, and persuade partners to reach agreeable exchanges and positive outcomes.

PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position.

• 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 the 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. Establishes baselines for strategies and tracks actual performance to expectations.
• 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 solution is 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 / 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.

Successful candidates must demonstrate appropriate knowledge, skills, and abilities for a role. Listed below are skills, competencies, work experience, education, and required certifications/licensures needed to be successful in this position.

• Analytical Approach
• Banking Products
• Big Data Management and Analytics
• Business Analytics
• Credit Risk
• Mathematics of Financial Instruments
• Operational Risk
• Performance Measurement
• Predictive Analytics
• 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. Specific certifications are often required. In lieu of a degree, a comparable combination of…