Product Owner III- Payments

Fairygodboss; Miamisburg (OH); On-site; USD 91,000 - 186,000; Full time

Benefits offered by this job

Medical/dental/vision coverage

401(k) with PNC match

Paid time off

Job summary

PNC is seeking a Product Owner III for the Retail lending organization. The role will be based in multiple U.S.

locations including Pittsburgh, Philadelphia, Wilmington, Miamisburg, Cleveland, Birmingham, Washington, DC, or Charlotte. You will own the product vision, manage the backlog, and work with agile teams to deliver customer-focused outcomes.

Qualifications

• 5+ years of industry-relevant experience (Roles at this level typically require a university/college degree)
• Strong understanding of Agile, Scrum practices and product ownership responsibilities
• Experience translating customer needs into actionable backlog items and measurable outcomes

Responsibilities

• Own the product vision and backlog; prioritize based on business value and customer impact.
• Partner with Scrum Master and delivery teams to clarify scope and drive timely delivery.
• Define and track KPIs; leverage analytics and customer insights to optimize end-to-end experience.
• Collaborate across functions (Product, Technology, Operations, business partners) and support risk/compliance responsibilities.

Skills

Accountability

Customer Solutions

Data Visualization

Prioritization

Scrum

User Experience (UX) Design

Education

Bachelors

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(n) [position title] within PNC's [name of division] organization, you will be based in [city/state location of position].

Job Profile

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 Owner III within PNC's Retail lending organization, you will be based in Pittsburgh or Philadelphia, PA; Wilmington, DE; Miamisburg or Cleveland, OH; Birmingham, AL; Washington, DC; or Charlotte, NC.

Responsibilities

• Own the product vision; represent the customer and align priorities to business value and outcomes.
• Own and prioritize the product backlog; write clear user stories/acceptance criteria and lead ongoing backlog refinement.
• Partner with Scrum Master(s) and delivery teams through agile ceremonies to clarify scope, make day-to-day product decisions, and keep delivery on track.
• Define and track KPIs; use analytics, research, and customer insights to optimize the end-to-end experience.
• Review and accept completed work; validate against requirements and communicate delivered value and iteration outcomes to stakeholders.
• Collaborate and drive partnerships cross-functionally (Product, Technology, Operations, business partners) and support risk, compliance, audit, and application-owner responsibilities as needed.
• Leverage industry and marketplace research and customer insights to assess trends to recommend new experiences or enhancements

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

• Owns the vision and definition of the product. Serves as the voice of the Customer. Ensures the Scrum Team(s) effort is concentrated on the right priorities based on business value.
• Defines and conveys the vision to the team(s) in order to address client requirements to ensure a successful product for business objectives.
• Accountable for the creation of and the integrity of the product backlog. Prioritizes and leads grooming of the product backlog.
• Works closely with the Scrum Master(s) and development team(s), to ensure the right items are focused on during the development process. Primary point of contact for questions from the team(s) and is empowered to make decisions.

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/licencures needed to be successful in this position.

Preferred Skills

Accountability, Customer Solutions, Data Visualization, Prioritization, Scrum, User Experience (UX) Design

Competencies

Agile Development, Business Acumen, Design Thinking, Effective Communications, Innovation, Interpersonal Relationships, IT Standards, Procedures & Policies, Managing Multiple Priorities, Organizational Leadership, Planning and Organizing, Solutions Development

Work Experience

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 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: $91,000.00 - $185,900.00

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 04/27/2026, although it may be longer with business discretion.

Benefits

PNC offers a comprehensive range of benefits to help meet your needs now and in the future. Depending on your eligibility, options for full-time employees include: 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.

In addition, PNC generally provides the following paid time off, depending on your eligibility: 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.