Data Scientist - Retail Banking (ML & Predictive Modeling)

Job Profile

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 Data Scientist within PNC's Retail Banking (ML & Predictive Modeling) organization, you will be based in Pittsburgh, PA; Cleveland, OH; Tyson's Corner, VA.

Job Summary:

We are seeking a highly analytical and technically skilled Data Scientist to support the development, evaluation, implementation, and optimization of advanced predictive models within Retail Banking. This role will focus on building machine learning and statistical models, designing and analyzing experiments, enhancing data-driven business strategies, and communicating actionable insights to business leaders and executive stakeholders.

The ideal candidate combines strong predictive modeling expertise with hands-on experience working with large-scale data environments and modern programming languages. This position offers the opportunity to expand existing production modeling frameworks while partnering closely with risk, strategy, analytics, and business teams.

Required Qualifications:

*Bachelor's Degree in Statistics, Mathematics, Data Science, Computer Science, Economics, Finance, Engineering, or a related quantitative field.
*2-3 years of professional experience in data science, predictive analytics, statistical modeling, machine learning, or quantitative analysis.
*Experience developing and implementing predictive models using large datasets.
*Strong understanding of statistical modeling, machine learning techniques, and model performance evaluation.
*Experience building and validating credit risk, retail banking, or customer analytics models.
*Proficiency in one or more of the following programming languages: Python, R, or SAS
*Experience with: PySpark, R Shiny, or SQL
*Experience working with large-scale data environments and big data technologies, including Teradata, Hadoop, AWS, Impala, Hive, or Trino
*Experience with relational database platforms such as: Oracle, MySQL, PostgreSQL, TOAD
*Experience using GitHub or other version control platforms.
*Strong communication and presentation skills with the ability to translate technical findings for non-technical audiences.

Preferred Qualifications:

*Master's Degree in a quantitative discipline.
*Experience supporting Retail Banking, Consumer Banking, Risk Management, Credit Risk, or other Financial Services functions.
*Experience with model governance, model risk management, and regulatory expectations within the banking industry.
*Prior experience supporting EAD, PD, LGD, CECL, stress testing, or other risk modeling frameworks.
*Knowledge of model deployment, model monitoring, and production support processes.
*Experience working in Agile or cross-functional analytics environments.
*Demonstrated ability to influence business decisions through advanced analytics and data storytelling.
*Experience presenting analytical results to senior leadership and executive stakeholders.

PNC is an in-office company that fosters a supportive culture where employees can thrive and achieve balance. We encourage candidates to connect with their recruiter and hiring manager to understand workplace expectations and ensure the role aligns with their goals.

PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position.

Job Description

• Performs analytical tasks on vast amounts of structured and unstructured data to extract actionable business insights.
• Participates in the data gathering, data processing and data mining of large and complex datasets.
• Develops algorithms using advanced mathematical and statistical techniques like machine learning to predict business outcomes and recommend optimal actions to management.
• Runs analytical experiments in a methodical manner to find opportunities for product and process optimization. Assists in the presentation of business insights to management using visualization technologies and data storytelling.
• May partner with Data Architects, Data Analysts, Data Engineers and Visualization Experts to develop data-driven solutions for the business.

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.

Qualifications

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.

Preferred Skills

Analytical Thinking, Competitive Advantages, Data Analytics, Data Mining, Data Science, Machine Learning (ML)

Competencies

Data Architecture, Data Mining, Disruptive Innovation, Information Capture, Machine Learning, Modeling: Data, Process, Events, Objects, Prototyping, Query and Database Access Tools

Work Experience

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, job specific certification(s), and experience (including military service) may be considered.

Education

Masters

Certifications

No Required Certification(s)

Licenses

No Required License(s)

Language Assessments

No Required or Preferred Language Assessments

Pay Transparency

Base Salary: $86,250.00 - $172,500.00

Salaries may vary based on geographic location, market data and on individual skills, experience, and education. This role is incentive eligible with the payment based upon company, business and/or individual performance.

Application Window

Generally, this opening is expected to be posted for two business days from 09/16/2026, although it may be longer with business discretion.

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.

Disability Accommodations Statement

If an accommodation is required to participate in the application process, please contact us via email at AccommodationRequest@pnc.com. Please include 'accommodation request' in the subject line title and be sure to include your name, the job ID, and your preferred method of contact in the body of the email. Emails not related to accommodation requests will not receive responses. Applicants may also call 877-968-7762 and say "Workday" for accommodation assistance. All information provided will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.

At PNC we foster an inclusive and accessible workplace. We provide reasonable accommodations to employment applicants and qualified individuals with a disability who need an accommodation to perform the essential functions of their positions.

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.

This position is subject to the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA) and, for any registered role, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) and/or the Financial Industry Regulatory Authority (FINRA), which prohibit the hiring of individuals with certain criminal history.

California Residents

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.