Portfolio Analytics & Strategy Specialist

PNC; Pittsburgh (Allegheny County); Hybrid; USD 65,000 - 95,000; Full time

Job summary

An established industry player seeks a Portfolio Analytics & Strategy Specialist to leverage data and analytics to enhance customer outcomes and optimize recovery rates. In this dynamic role, you will analyze default trends, define requirements, and collaborate with cross-functional teams to develop actionable strategies. Your expertise in data mining, risk management, and analytical programming will be crucial in driving results and improving business performance. Join a forward-thinking company that values inclusivity and offers comprehensive benefits, including health coverage and retirement plans, while fostering a culture of respect and collaboration.

Benefits

Health Coverage

401(k) Plan

Pension

Stock Plans

Paid Time Off

Qualifications

• 5+ years of experience in data analytics and consumer lending.
• Strong understanding of default management strategies and risk assessment.

Responsibilities

• Analyze default trends and customer behavior to develop management strategies.
• Collaborate with cross-functional teams to ensure execution of default strategies.

Skills

Data Mining Techniques

Analytical Programming (Python)

SQL and Relational Databases

Project Management

Risk Management

Communication Skills

Analytical Thinking

Education

Bachelor's Degree in Analytical Field

Tools

Tableau

Job description

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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.

Job Profile

Position Overview

As a Portfolio Analytics & Strategy Specialist within PNC's Retail Lending Decision Science organization, you will use data and analytics to improve business results and customer outcomes. The candidate will have the opportunity to combine their knowledge of the consumer lending business, operational execution, and analytical techniques to craft actionable strategies that drive results in the default lifecycle. The ideal candidate will play a pivotal role in developing, implementing, and refining default strategies to optimize recovery rates, minimize losses, and enhance customer relationships. This role requires a deep understanding of data analytics, risk management, and strategic decision-making. This position will be based in Pittsburgh, PA or Cleveland, OH, primarily in a PNC location, with some responsibilities performed remotely at the manager’s discretion.

In This Role You Will

• Perform Strategic Analysis: Analyze default trends, customer behavior, and economic factors to develop effective default management strategies.
• Define Requirements: Define and communicate technical and functional requirements to stakeholders to ensure accurate and timely delivery of objectives.
• Interpret Data: Utilize advanced analytics tools and methodologies to interpret large datasets, identify patterns, and derive actionable insights.
• Assess Risk: Evaluate the risk associated with default scenarios, including credit risk, operational risk, and market risk, to inform strategic decision-making.
• Collaborate: Work closely with cross-functional teams, including risk management, finance, operations, and legal departments, to ensure alignment and execution of default strategies.
• Monitor Performance: Establish key performance indicators (KPIs) and regularly monitor the effectiveness of default strategies, making data-driven adjustments as necessary.
• Ensure Compliance: Stay abreast of industry regulations, best practices, and emerging trends related to default management to ensure compliance and mitigate regulatory risks.
• Communication with Stakeholders: Present findings, recommendations, and progress updates to senior leadership, stakeholders, and regulatory bodies as required.

Requirements

• Strong understanding of data mining techniques, curating, processing, and transforming data to produce sound datasets.
• Experience in defining, recording, and communicating technical and functional requirements to product, risk, and technology teams.
• Strong project management skills and familiarity with software development lifecycle.
• Experience with analytical programming languages, tools, and libraries (Python ecosystem).
• Experience in SQL and relational databases.
• Experience in analyzing complex problems and translating them into an analytical approach.
• Experience with analytics applied to financial services or consumer lending.
• Strong leadership, stakeholder management, communication, partnership, and teamwork skills.
• Degree in an analytical field preferred (e.g., Computer Science, Data Science, Engineering, Applied Mathematics, Data Analysis, Statistics, Operations Research).
• Knowledge of Tableau helpful but not required.

Job Description

• Provides financial and regulatory reporting and analyses to maintain controls over financial and regulatory reporting processes. Develops analytical methods/models to assess market, credit, and operational risk of financial products.
• Leverages business/product expertise to analyze large datasets, improve risk-adjusted returns, deliver profitable growth, and communicate conclusions. Develops, recommends, and implements strategies to improve lending decisions, manage risk, increase revenues, and reduce losses.
• Uses predictive models, third-party data, and other tools for segmentation and targeting to provide portfolio risk insights. Manages engagements with data suppliers ensuring solutions are fit for purpose.
• Works with partners to design, develop, and monitor analytical reports and test designs to track and enhance strategies.
• Collaborates with business, finance, and risk teams to assess credit risk appetite and establish related policies and procedures.

PNC employees are expected to be:

• Customer Focused - Prioritizing customer needs and satisfaction in all decisions.
• Managing Risk - Effectively managing risks to support PNC's Enterprise Risk Management Framework.

Qualifications

Successful candidates should demonstrate relevant knowledge, skills, and experience. A degree in an analytical field and 5+ years of industry experience are typical requirements. Certifications may be required or considered in lieu of a degree.

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, Business Analytics, Credit Risk, Mathematical Skills, Operational Risk, Performance Measurement, Predictive Analytics, Pricing Models, Regulatory Environment, Risk Management

Work Experience

Typically requires a university degree and 5+ years of relevant experience. Certifications may be required or preferred.

Education

Bachelor's degree required.

Benefits

PNC offers comprehensive benefits including health coverage, 401(k), pension, stock plans, paid time off, and more. Details available on Your PNC Total Rewards.

Disability Accommodations

Contact [e-mail] for assistance with accommodations during the application process.

PNC fosters an inclusive workplace and provides reasonable accommodations for qualified individuals with disabilities.

Equal Employment Opportunity

PNC is an equal opportunity employer, committed to diversity and inclusion in the workplace.