Head of Credit Monitoring & Financial Wellness Platform

PNC Bank • Chicago, IL

8d • Onsite

About The Position

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 the Head of Credit Monitoring & Financial Wellness Platform within PNC's Retail Lending organization, you will be based in Chicago, IL. The Head of Credit Monitoring & Financial Wellness Platform is responsible for leading the strategy, development, and delivery of a comprehensive customer experience that enables customers to monitor their credit score on an ongoing basis while accessing tools for personal financial budgeting and identity protection. This role owns the end-to-end product lifecycle, including strategic planning, technology delivery, third-party partnerships, and product ownership within an agile development environment. The leader will oversee multiple scrum teams and collaborate across technology, data, risk, security, marketing, and customer experience to deliver a best-in-class financial wellness platform. Defines the strategy and executes on the business and financial results for a product portfolio through the leadership of team(s) managing new and existing products by creating a differentiated customer experience utilizing traditional and emerging capabilities in technology, operations, and data analytics. Defines the overall strategy to produce a differentiated customer experience related to product or experience development for applicable business segments and product groups. Sponsors potential product or experience development projects for feasibility and value. Presents initiatives and policy changes to gain executive management buy-in. Manages progress to ensure initiatives are completed on time, within budget and meet strategic goals and oversees the resolution of issues that arise. Participates in the marketplace to influence product and customer experience trends and leads teams to execute on new products or enhancements to existing products or experiences and recognizes, anticipates and resolves complex operational and process problems that arise. Presents ideas to governing committees for approval. Maintains network of counterparts and third parties within the industry. Serves as senior point of escalation and ensures successful outcomes from key stakeholders including sales, marketing, digital channel delivery and other internal service partners. Leads activities with external stakeholders and clients throughout the product lifecycle. Supports determination of risk appetite and limits as part of the first line of defense. Owns business response to audit and regulatory finding. Leads one or multiple product lines and manager(s). Manages, motivates and develops the performance of the product development management team and key contributors. 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.

Requirements

• 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.
• Business Objectives
• Customer Solutions
• Marketing
• Product Development
• Product Management
• Sales
• Collaborating
• Competitive Environment
• Design Thinking
• Emerging Technologies
• Innovation
• Managing Multiple Priorities
• Problem Solving
• Product Development Strategy
• Solutions Development
• 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.
• At least 5 years of prior management experience is typically required.
• Proven leadership experience with a moderate to large scope of responsibility is required.
• In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered.
• Bachelors
• No Required Certification(s)
• No Required License(s)

Nice To Haves

• 10+ years of experience in product management, digital platforms, or financial services technology.
• Proven experience leading complex digital products from concept through delivery.
• Strong experience operating within agile technology delivery environments.
• Experience managing multiple scrum teams and cross-functional technology teams.
• Experience working with third-party vendors and platform integrations.
• Strong strategic thinking and execution capabilities.

Responsibilities

• Define and lead the strategic roadmap for credit monitoring, financial wellness tools, and identity protection services.
• Develop a compelling customer value proposition that integrates credit score monitoring, budgeting capabilities, and identity protection.
• Identify market opportunities, competitive positioning, and product differentiation.
• Drive adoption, engagement, and retention through continuous innovation and customer-focused product enhancements.
• Serve as product owner across multiple agile product backlogs, epics, and user stories.
• Lead cross-functional planning with engineering, UX, data, and platfor timely and high-quality product delivery across releases.
• Oversee the design, development, and implementation of scalable technology solutions with architecture and engineering leaders to ensure platform scalability, performance, and security.
• Ensure compliance Third-Party Partnerships & Vendor Oversight
• Manage relationships with third-party providers supporting credit score data, identity monitoring, fraud alerts, and financial tools.
• Lead vendor evaluation, contract negotiations, and ongoing performance management.
• Ensure seamless integration of third-party capabilities into the customer experience.
• Lead and develop a team of product managers and multiple agile scrum teams.
• Establish strong product management practices, governance, and delivery frameworks.
• Foster a culture of innovation, collaboration, and, customer satisfaction, and financial impact.
• Use customer insights and data analytics to continuously optimize features and user experience.
• Partner with marketing and digital teams to drive awareness and adoption.

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 .

What This Job Offers

• Job Type: Full-time
• Career Level: Manager