Portfolio Analtyics & Strategy Analyst Sr. Automotive Lending
Company: PNC Financial Services Group
Posted on: January 16, 2022
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 Analtyics & Strategy Analyst Sr.
-Automotive Lending, within PNC's Retail Lending Group, you will be
based in Dallas, Texas or within the PNC Footprint. Remote and
flexible hybrid work is available.
Portfolio Analtyics & Strategy Analyst Sr. will focus on Automotive
Portfolio Strategy which includes financial analysis strategy,
credit attributes and profiles, working with credit bureaus and
origination, credit analysis and related reporting. Group is
responsible for expected loss and profitability and this role will
be integral in theses areas from an analytical perspective.
- BS/BA in a STEM related degree, business or IT
- 3+ of related lending analytics experience
- Strong working knowledge of a combination of SAS, SQL, Python,
- Strong communication and presentation skills
- Familiar with automotive financing is a plus
- Please note, PNC will not sponsor a work visa for this role.Job
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
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
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
Analytical Approach - Synthesizes ideas and information required
for process improvement into a manageable form.
Banking Products - Knowledge of and ability to provide products and
services available through the retail banking branch.
Big Data Management and Analytics - Knowledge and ability to plan
and execute, big data management and analytics.
Business Analytics - Knowledge of technologies, techniques and
practices for the evaluation of business performance data; ability
to analyze business performance using advanced statistical methods
to justify and drive future business planning decisions.
Credit Risk - Knowledge of processes, tools, and techniques used to
determine the degree of credit risk in a given transaction or
customer relationship; ability to assess, rate and manage exposure
to credit risk.
Mathematics of Financial Instruments - Knowledge of and ability to
perform the mathematical calculations that underlie various
Operational Risk - Knowledge of policies and processes for
operational risk management; ability to use tools, data, and best
practices to identify, assess, and manage operational risk
Performance Measurement - Knowledge of and ability to utilize a
variety of methods to measure the performance on a particular
portfolio against industry benchmarks and related parameters.
Predictive Analytics - Knowledge of, experience with and ability to
use the tools, processes and practices for predicting business
trends and providing forecasts that drive business decisions and
Pricing Models and Analytics - Knowledge of pricing tools,
techniques and methods; ability to assess analytical and pricing
models through the use of statistical principles.
Regulatory Environment - Financial Services - Knowledge of and
ability to help an organization adapt to applicable federal, state,
local, and company-specific regulations, policies, and guidelines
affecting business practices.
Risk Management Banking - Knowledge of and ability to use tools,
regulations, and business practices to assess and control an
organization's exposure to risk.
Roles at this level typically require a university / college
degree, with 3+ years of relevant / direct industry experience.
Certifications are often desired. In lieu of a degree, a comparable
combination of education and experience (including military
service) may be considered.
Additional Job Description
PNC offers employees 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; maternity and parental leave; paid
holidays, vacation days and occasional absence time; 401(k),
pension and stock purchase plans; dependent care reimbursement
account; back-up child/elder care; adoption assistance; educational
assistance and a robust wellness program with financial incentives.
To learn more about these and other programs, including benefits
for part-time employees, visit pncbenefits.com > New to PNC
Disability Accommodations Statement:
The PNC workplace is inclusive and supportive of individual needs.
If you have a physical or other impairment that might require an
accommodation, including technical assistance with the PNC Careers
website or submission process, please call 877-968-7762 and select
Option 4: Recruiting or contact us via email at
The Human Resources Service Center hours of operation are Monday -
Friday 9:00 AM to 5:00 PM ET.
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.
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.
Keywords: PNC Financial Services Group, Dallas , Portfolio Analtyics & Strategy Analyst Sr. Automotive Lending, Professions , Dallas, Texas
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