Portfolio Analytics & Strategy Specialist - Balance Sheet Analytics & Modeling
Azlo, Wilmington, DE, United States
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 Balance Sheet Analytics & Modeling Enterprise Credit Portfolio Analytics organization, you will be based in Pittsburgh or Philadelphia, PA, Cleveland, OH, Tysons, VA, Wilmington, DE or Charlotte, NC. This individual will join the Enterprise Credit Portfolio Analytics team, which is focused in building centralized credit portfolio monitoring, analysis, and performance analytics. Job Responsibilities
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. Monitor ongoing positioning and performance of PNC's overall credit portfolio encompassing level and trend of credit quality, credit risk factor positioning & risk appetite utilization, and risk-adjusted performance quality & attribution, working in close coordination with all Line of Business Data, Model & Analytics teams, and Credit Risk Management group. Develop, propose, and coordinate portfolio reviews and sensitivity analyses that emanate from either a heightened level of risk and concern about a particular risk factor (e.g. industry) or to better understand certain risk factor exposures with larger concentrations, elevated growth rates, material over/underweight relative to the market and/or peers, and changing macro policy backdrops. Elevate adhoc portfolio reviews and sensitivity analyses to enterprise review and discussion forums, as appropriate. Develop and support climate analytics efforts, including development and execution of heat maps, physical and transition risk scenario analysis, financed emissions, and related foundational capabilities. Preferred Skills & Requirements
6+ years of experience in credit portfolio management (experience across both commercial and consumer lending portfolio management desirable). Hands-on, detail oriented with high standards and a total ownership mindset. Strong programming skills in Python, PySpark, R, SAS, and/or SQL. Critical thinking and problem-solving aptitude with the ability to apply analytical rigor to complex business problems. Bachelor's degree, master's or equivalent experience preferred, in economics, finance, engineering, statistics or other discipline(s) relevant to quantitative credit portfolio management. Knowledge of supervisory regulations and guidance related to credit risk management at US commercial banking organizations. Excellent verbal and written communication skills. Strong interpersonal skills with the ability to build relationships and influence stakeholders at all levels. Independent thinking skills with the ability to demonstrate strong leadership. 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 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)
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 Balance Sheet Analytics & Modeling Enterprise Credit Portfolio Analytics organization, you will be based in Pittsburgh or Philadelphia, PA, Cleveland, OH, Tysons, VA, Wilmington, DE or Charlotte, NC. This individual will join the Enterprise Credit Portfolio Analytics team, which is focused in building centralized credit portfolio monitoring, analysis, and performance analytics. Job Responsibilities
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. Monitor ongoing positioning and performance of PNC's overall credit portfolio encompassing level and trend of credit quality, credit risk factor positioning & risk appetite utilization, and risk-adjusted performance quality & attribution, working in close coordination with all Line of Business Data, Model & Analytics teams, and Credit Risk Management group. Develop, propose, and coordinate portfolio reviews and sensitivity analyses that emanate from either a heightened level of risk and concern about a particular risk factor (e.g. industry) or to better understand certain risk factor exposures with larger concentrations, elevated growth rates, material over/underweight relative to the market and/or peers, and changing macro policy backdrops. Elevate adhoc portfolio reviews and sensitivity analyses to enterprise review and discussion forums, as appropriate. Develop and support climate analytics efforts, including development and execution of heat maps, physical and transition risk scenario analysis, financed emissions, and related foundational capabilities. Preferred Skills & Requirements
6+ years of experience in credit portfolio management (experience across both commercial and consumer lending portfolio management desirable). Hands-on, detail oriented with high standards and a total ownership mindset. Strong programming skills in Python, PySpark, R, SAS, and/or SQL. Critical thinking and problem-solving aptitude with the ability to apply analytical rigor to complex business problems. Bachelor's degree, master's or equivalent experience preferred, in economics, finance, engineering, statistics or other discipline(s) relevant to quantitative credit portfolio management. Knowledge of supervisory regulations and guidance related to credit risk management at US commercial banking organizations. Excellent verbal and written communication skills. Strong interpersonal skills with the ability to build relationships and influence stakeholders at all levels. Independent thinking skills with the ability to demonstrate strong leadership. 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 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)