Portfolio Analytics & Strategy Specialist - Balance Sheet Analytics & Modeling

PNC Bank • Wilmington, DE

2d • 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 a Portfolio Analytics & Strategy Specialist within PNC's Decision Science team in the Balance Sheet Analytics & Modeling organization, you will be based in Wilmington, DE, Pittsburgh, PA or Charlotte, NC. This position is primarily based in a PNC location. Responsibilities require time in the office or in the field on a regular basis. This role is responsible for conducting complex performance and risk analytics and driving insights that support the growth and profitability of our credit card portfolio.

Requirements

• Successful candidates must demonstrate appropriate knowledge, skills, and abilities for a role.
• 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.

Nice To Haves

• Proven experience in financial analytics, risk modeling, or portfolio strategy within the financial services industry.
• Strong proficiency in analytical tools and programming languages (e.g., Python, SQL).
• Expertise in data visualization and reporting using Excel and Tableau.
• Excellent communication skills with the ability to translate complex data into clear business insights.
• Demonstrated ability to manage multiple stakeholders and drive cross-functional initiatives.
• Analytical Thinking
• Credit Risks
• Data Analytics
• Financial Analysis
• Model Development
• Operational Risks
• Quantitative Models
• Risk Appetite
• 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

Responsibilities

• Design analytical models to assess the risk of the card portfolio.
• Analyze large datasets using advanced tools and methodologies to generate actionable insights and support strategic decision-making.
• Conduct portfolio reviews, loss forecasting, and identify opportunities to improve returns and drive business growth.
• Utilize tools such as Python, SQL, Excel, and Tableau to support data analysis and visualization.
• Manage relationships with internal and external data providers, ensuring solutions are fit for purpose.
• Collaborate with cross-functional teams—including business, credit, data, and model development.
• Provides financial and regulatory reporting and analyses to maintain adequate controls over the financial and regulatory reporting processes.
• Responsible for running complex business performance, risk and operational analytics.
• May include the development of analytical methods/models to assess market, credit and/or operational risk of new and existing financial products.
• 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.
• Applies predictive models, third party data, and other tools to develop and execute appropriate segmentation and targeting for acquisition and portfolio strategies to provide insight into portfolio risk.
• Manages engagements with internal and external information suppliers ensuring solution is fit for purpose while maintaining appropriate governance and oversight.
• Works with business, credit, data, and model development partners to design, develop, and monitor test designs and analytical reporting to track and enhance strategies.
• Designs / enhances standard reporting suites for regular product / portfolio reviews.
• Collaborates with the line of business, Finance, and Risk partners to assess and establish credit risk appetite and to understand its implications, as well as to establish policies and procedures governing the identification, monitoring, and management of risk appetite.

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; 8 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 Your PNC Total Rewards .

What This Job Offers

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