Fraud Data Scientist (Credit/Debit Card Transaction & Strategy)

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 Fraud Data Scientist (Credit/Debit Card Transaction & Strategy) within PNC's [name of division] organization, you will be based in Columbus OH. Job Description: 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.

Responsibilities

Provides financial and regulatory reporting and analyses to maintain adequate controls over financial and regulatory reporting processes; Responsible for running complex business performance, risk and operational analytics; May include development of analytical methods/models to assess market, credit and/or operational risk; 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, manage 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 segmentation and targeting for acquisition and portfolio strategies; Manages engagements with internal and external information suppliers; Works with business, credit, data, and model development partners to design, develop, and monitor test designs and analytical reporting; 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 establish policies and procedures

Requirements

Direct prior experience with or contribution to credit card or debit card authorization strategies, modeling/analysis or monitoring; university/college degree with 5+ years of industry-relevant experience (or comparable combination of education, job specific certification(s), and experience); Bachelor's degree; Statistical Modeling; Python; R Language; SQL; Spark/Python; Data Science and Analytics; Optimization Frameworks; Graph/Linkage Analysis; Data Correlation and Visualization; 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

Nice to have

Prior experience at a large card issuer; Analytical Thinking; Credit Risks; Data Analytics; Financial Analysis; Model Development; Operational Risks; Python (Programming Language); Quantitative Models; Risk Appetite; Statistical Models; Structured Query Language (SQL)

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; robust wellness program with financial incentives; maternity and/or parental leave; up to 11 paid holidays each year; 9 occasional absence days each year; between 15 to 25 vacation days each year