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 Analyst Senior within PNC's Decision Science organization, you will be based in Pittsburgh, PA; Cleveland, Brecksville, or Strongsville, OH.
Responsibilities:
- Monitor and analyze performance of lending portfolios across multiple consumer and lending products.
- Develop and maintain analytical solutions using SQL and Python to support portfolio management, strategy development, and decision science initiatives.
- Query, validate, and analyze data from enterprise databases to identify trends, opportunities, and emerging risks.
- Evaluate portfolio performance metrics, customer behavior, credit trends, and bad debt outcomes.
- Support sales, lending, collections, and recovery strategy analysis through data-driven insights.
- Partner with Product, Risk, Technology, and Operations teams to understand business objectives and deliver analytical recommendations.
- Design and automate recurring reports, dashboards, and monitoring processes.
- Present analytical findings and recommendations to business leaders and cross-functional stakeholders.
- Participate in portfolio reviews and strategic discussions supporting business growth and risk management objectives.
- Contribute to process improvements, automation initiatives, and analytical best practices across the portfolio management organization.
Qualifications:
- Bachelor’s degree in Data Science, Statistics, Mathematics, Economics, Finance, Analytics, Computer Science, or a related quantitative field.
- 1-2 years of relevant analytics experience or completion of an MBA or related graduate degree.
- Strong hands-on experience with SQL
- Writing complex queries
- Joins, aggregations, subqueries, and data validation
- Understanding relational databases and data structures
- Strong programming/coding experience with Python: data analysis and manipulation, data structures, and automation and reporting
- Experience analyzing large datasets and developing business insights.
- Utilize project management and collaboration tools such as JIRA and Confluence to document requirements, track initiatives, and communicate project progress
- Strong analytical and problem-solving skills.
- Excellent communication and presentation skills with the ability to explain technical concepts to non-technical audiences.
- Ability to collaborate effectively across Product, Risk, Technology, and Operations teams.
- Proficiency with Microsoft Excel.
Qualifications:
- Experience with Tableau and/or Power BI.
- Experience supporting lending, credit, portfolio management, collections, or recovery strategies.
- Knowledge of consumer or commercial lending portfolios.
- Experience developing or monitoring: Statistical models, Predictive models, and/or Machine learning models
- Experience with Generative AI applications and analytics use cases.
- Familiarity with model performance monitoring and analytical testing methodologies.
- Understanding of risk management and debt analysis.
- 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.
Preferred Skills Analytical Thinking, Credit Risks, Data Analytics, Financial Analysis, Model Development, Operational Risks, Quantitative Models, Risk Appetite
Competencies 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
Work Experience Roles at this level typically require a university / college degree, with 3+ years of relevant / direct industry experience. Certifications are often desired. In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered.
Generally, this opening is expected to be posted for two business days from 07/24/2026, although it may be longer with business discretion.