LOB Consumer Credit Risk Advisor - Data, Modeling & Analytics

PNC•Tysons, VA

2d•$70,000 - $130,000•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 an LOB Consumer Credit Risk Advisor within PNC's Data, Modeling & Analytics Decisioning Quality Assurance organization, you will be based in Pittsburgh, PA, Cleveland or Brecksville, OH, Tysons Corner, VA, Charlotte, NC or Birmingham, AL. Role Overview As a LOB Consumer Credit Risk Advisor, you will support delivery of QA oversight across the full credit lifecycle, including originations, account management, and default management. This role is responsible for evaluating decision quality, identifying risk, and delivering insights that strengthen credit processes and regulatory alignment. You will serve as a trusted advisor, delivering timely, actionable, and business-focused insights with best-in-class quality. Success in this role requires strong analytical capability, attention to detail, and a client-first mindset.

Requirements

Bachelor’s degree in finance, accounting, business, economics, mathematics, engineering, or equivalent work experience.
Able to gather and store large data sets using Spark based SQL queries within a Python environment (JupyterHub).
Capable of navigating the full PNC and client ecosystem with agility and insight, including credit and risk frameworks, regulatory expectations, product features, client experience, market trends, and data within PNC systems. The analyst must connect these areas to deliver holistic, business-relevant insights.
Understanding of credit underwriting concepts (income, housing, DTI, policy rules).
Strong attention to detail, analytical and problem-solving skills.
Experience in QA, audit, financial services consulting, credit risk, lending operations, large data analysis, or related field.
Proficiency in communicating insights and findings clearly in a professional format.
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.
Credit Analysis and Verification
Credit Risk
Financial Statement Analysis
Portfolio Management - 1
Problem Solving
Quantitative Techniques
Regulatory Environment - Financial Services
Risk Economics and Finance

Nice To Haves

Desire to grow professionally in a collaborative environment, receive coaching and feedback, and ultimately lead exams.
Analytical Thinking
Commercial Real Estate
Competitive Advantages
Consumer Lending
Credit Risk Management
Data Analytics
Decision Making
Financial Operations
Portfolio Risk
Risk Appetite

Responsibilities

Create curated data sets necessary to execute exams across all credit life cycles.
Conduct QA reviews across credit lifecycle processes to assess adherence to policy, underwriting standards, and regulatory requirements.
Identify defects, control gaps, and risks impacting decision accuracy and customer outcomes.
Document findings with clear, concise, and audit-ready support.
Understand and execute against Retail Level priorities.
Analyze QA results to identify trends, root causes, and emerging risks.
Partner with cross-functional teams (Product, Decision Infrastructure, Operations, Risk) to support QA priorities and remediation efforts.
Compose and present final reports to business partners.
Reviews activities associated with applicable business segment, including the credit approval process, policy and procedural compliance and portfolio risk management, credit monitoring, and reporting.
Maintains in depth knowledge of consumer credit policy and ensures adherence to policy.
Deploys appropriate monitoring mechanisms of early performance to manage expected outcomes.
Monitors credit by leveraging relevant reporting and assessing trends to identify risk incidences, requests ad - hoc analytics, oversees follow-up, and analyzes output to inform decision - making.
Manages and updates credit transaction models utilized within defined asset class and activity and ensures adherence to model management processes (i.e., model validation, testing, maintenance) by ensuring the appropriate resources are in place to adhere to guidance.
Follows and recognizes economic, regulatory, and other trends affecting borrowers and initiates relevant analyses, by leveraging key analytic partners, and discussions to determine potential impacts on policy.
Reviews validation outputs on data produced and delivered; ensures that work set is completed and that the right conversations are taking place to execute deliverables.

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
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.