Product Manager Lead- Consumer Credit Cards

PNC Bank NA; Pennsylvania; On-site; USD 112,000 - 229,000; Full time

Benefits offered by this job

Medical/prescription drug coverage

Dental and vision options

Life insurance

401(k) with PNC match

Pension and stock purchase plans

Dependent care reimbursement account

Back-up child/elder care

Educational assistance

Job summary

PNC is seeking a Product Manager Lead in its Retail Lending organization. You will be based in Pittsburgh, Philadelphia, PA or Wilmington, DE and will define strategy for Consumer Card capabilities while leading execution across multiple partners.

A successful candidate will translate long-term strategy into actionable phases, build business cases, and map customer journeys to drive adoption and value. This role emphasizes strategic leadership and execution in a dynamic banking environment.

Qualifications

• University degree required; 8+ years of industry experience typical.
• Higher education such as a Masters degree or certifications is desirable.
• Certifications are often required.
• In lieu of a degree, a comparable combination of education, certifications and experience may be considered.

Responsibilities

• Define the Consumer Card strategy and roadmap for Offer Modernization and real-time presentment.
• Lead cross-functional execution across Business, Technology, Digital, Risk and other partners.
• Build business cases with financial impact, customer needs and enterprise dependencies.
• Map customer journeys to use cases and implementation roadmaps for development.
• Provide updates to senior leadership on progress and outcomes.

Skills

Product Strategy

Cross-functional Leadership

Roadmapping

Customer Solutions

Marketing Collaboration

Decision Making

Design Thinking

Emerging Technologies

Problem Solving

Financial Analysis

Risk & Compliance Awareness

Education

Bachelor's degree

Job description

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 Product Manager Lead within PNC's Retail Lending organization, you will be based in Pittsburgh or Philadelphia, PA or Wilmington, DE. This position will focus on defining strategy and leading execution for key Consumer Card capabilities and enterprise initiatives that modernize how PNC develops, manages, and presents offers to customers and prospects.

A successful candidate will:

• Define the Consumer Card strategy and roadmap for Offer Modernization, including migration to a new Offer Management Platform and advancement toward real-time & differentiated offer presentment. Translate longer-term strategies into actionable phases of work, distinguishing between MVP and future-state capabilities to sequence delivery and business value over time.
• Identify and prioritize opportunities to leverage capabilities such as a newly enhanced Credit Monitoring Tool to drive Consumer Card acquisition and engagement.
• Build business cases and strategic recommendations considering financial impact, customer needs, technology capabilities, enterprise dependencies, and relevant risk, compliance, and legal considerations.
• Define and map prioritized customer journeys, translating customer and business needs into use cases, requirements, and implementation roadmaps that guide product development and execution.
• Lead cross-functional execution across Business, Technology, Digital, Risk, and other partners, while communicating progress, key decisions, and business outcomes to senior leadership.

PNC is an in-office company that fosters a supportive culture where employees can thrive and achieve balance. We encourage candidates to connect with their recruiter and hiring manager to understand workplace expectations and ensure the role aligns with their goals. PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position.

Job Description

Responsible for end-to-end business and financial results for multi-faceted, complex products through the selection, design, development and promotion of new and existing products utilizing traditional and emerging capabilities in technology, operations, and data analytics to offer customers a differentiated product experience. Uses knowledge of emerging technologies to deliver products to customers through all applicable channels. Prioritizes and makes decisions regarding recommendations. Champions business cases, business plan and roll-out of specific products, product groups or experiences. Monitors the marketplace to assess product, technology, and markets trends to identify a market need or opportunity.

Recommend innovative new products, new experiences or enhancements to existing products and develops and designs the features of a designated new or existing products. Manages the end-to-end development, production, roll-out, pricing or promotion of specific products, product groups or experiences and resolves complex operational and process problems that arise. Partners with key stakeholders including sales, marketing, digital channel delivery, and other internal service partners. Participates and/or leads activities with external stakeholders and clients to ensure all product offerings meet their strategic goals. Develops product-specific marketing initiatives. Supports risk management, compliance and audit needs as part of the first line of defense. Drives business, financial and customer experience results of new and existing products and recommends modifications in product features and/or marketing to improve results. Coordinates across groups and leads key contributors.

PNC Employee Expectations

PNC Employees take pride in our reputation and to continue building upon that we expect our employees to be: Customer Focused - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions. Managing Risk - Assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNC's Enterprise Risk Management Framework.

Qualifications

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.

Preferred Skills

Business Objectives, Customer Solutions, Marketing, Product Development, Product Management, Sales Competencies; Business Acumen, Collaborating, Competitive Environment, Decision Making and Critical Thinking, Design Thinking, Effective Communications, Emerging Technologies, Innovation, Knowledge Of Product Line, Problem Solving, Producing Results, Solutions Development.

Work Experience

Roles at this level typically require a university / college degree. Higher level education such as a Masters degree, PhD, or certifications is desirable. Industry relevant experience is typically 8+ years. Specific certifications are often required. In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered.

Education

Bachelors.

Certifications

No Required Certification(s).

Licenses

No Required License(s).

Language Assessments

No Required or Preferred Language Assessments.

Pay Transparency

Base Salary: $112,000.00 – $228,800.00. Salaries may vary based on geographic location, market data and on individual skills, experience, and education. This role is incentive eligible with the payment based upon company, business and/or individual performance.

Application Window

Generally, this opening is expected to be posted for two business days from 11/10/2026, although it may be longer with business discretion.

Benefits

• Medical/prescription drug coverage (with a Health Savings Account feature), dental and vision options; employee and spouse/child life insurance; short and long-term disability protection; 401(k) with PNC match, pension and stock purchase plans; dependent care reimbursement account; back-up child/elder care; adoption, surrogacy, and doula reimbursement; educational assistance, including select programs fully paid; a robust wellness program with financial incentives.
• Paid time off: maternity and/or parental leave; up to 11 paid holidays each year; 9 occasional absence days each year, unless otherwise required by law; between 15 to 25 vacation days each year, depending on career level; and years of service.
• To learn more about these and other programs, including benefits for full time and part-time employees, visit pncthrive.com.

Disability Accommodations Statement

If an accommodation is required to participate in the application process, please contact us via email at [e-mail]. Please include "accommodation request" in the subject line title and be sure to include your name, the job ID, and your preferred method of contact in the body of the email. Emails not related to accommodation requests will not receive responses. Applicants may also call 877-968-7762 and say "Workday" for accommodation assistance. All information provided will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations. At PNC we foster an inclusive and accessible workplace. We provide reasonable accommodations to employment applicants and qualified individuals with a disability who need an accommodation to perform the essential functions of their positions.

Equal Employment Opportunity (EEO)

PNC provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law. This position is subject to the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA) and, for any registered role, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) and/or the Financial Industry Regulatory Authority (FINRA), which prohibit the hiring of individuals with certain criminal history.

California Residents

Refer to the California Consumer Privacy Act Privacy Notice to gain understanding of how PNC may use or disclose your personal information in our hiring practices.

About PNC

For nearly 160 years, PNC has strived to make a meaningful impact for our employees, customers, communities, and shareholders. We believe our success and positive reputation are built on open and honest dialogue, an unwavering focus on smart risk management, relationship-based customer service and community investments. Our inclusive workplace allows our employees to be heard, valued, and developed to do their best work. Being a great place to work means we are making a lasting difference for everyone we serve.

Check out the top reasons to join PNC. PNC’s total rewards package includes things like time off, benefits, learning and career development, wellness programs, recognition and much more. The benefits and programs highlighted below are just a sampling of what PNC offers its employees. To learn more, visit our Total Rewards page.