Product Owner II- Retail Lending

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 Product Owner II within PNC's Retail Lending Product organization, you will be based in Cleveland, OH, Pittsburgh, PA, Brecksville, OH, Kalamazoo, MI, Philadelphia, PA, or Wilmington, DE. We are seeking an experienced Product Owner to lead delivery of our technology and process transformation strategy across the collections and recovery lifecycle. In this role, you will be responsible for delivering world-class experiences and improving our business process design and performance. A successful candidate will be able to: • Thrive in a fast-paced environment and manage multiple priorities daily. • Lead product strategy and vision, thinking holistically across the ecosystem, prioritizing with discipline, clearly articulating business value, and working effectively with diverse stakeholders • Lead delivery through demonstrated experience working on enterprise platforms or shared capabilities, with an understanding of integrations, APIs, and cross team dependencies • Quickly learn new technologies and processes while influencing stakeholders through clear and effective communication across both business and technology topics. • Demonstrate strong analytical thinking and problem-solving skills, with the ability to utilize data, analytics and subject-matter expertise to proactively identify gaps and risks. • Demonstrate skills in process mapping, customer journey mapping, and Agile methodology story writing • Drive adoption of automation, digital self service, and analytics enabled decisioning to improve process effectiveness and customer experience • Identify and implement strategies across the Product and Technology organization designed to improve product delivery effectiveness and efficiency • Establish thoughtful risk and quality management capabilities across product development lifecycle to meet schedule, scope, and benefits realization • Define success metrics and tracks performance improvements tied to new platforms and strategies (e.g., roll rates, cure rates, recovery economics, cost efficiencies) • Integrate AI into product development lifecycles including story writing, test casing, and code reviews • Familiar with product development tools like Tableau, JIRA, FigJam, Confluence, Figma 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 Owns the vision and the definition of the product. Serves as the voice of the customer. Provides guidance to concentrate the Scrum Team(s) effort on correct priorities based on business value. Defines and conveys the vision to the team(s) in order to address client requirements to meet business objectives. Accountable for the creation of and the integrity of the product backlog. Prioritizes and leads grooming of the product backlog. Works in partnership with the Scrum Master(s) to ensure items are worked on in accordance with the product backlog. Serves as the primary point of contact for questions from the team(s). Accepts delivery of working product from the Scrum Teams(s). Reviews and validates Scrum Team(s) working product. Socializes the delivery of business value and outcomes of the iteration to various stakeholders. 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 Accountability, Customer Solutions, Data Visualization, Prioritization, Scrum, User Experience (UX) Design Competencies Agile Development, Business Acumen, Design Thinking, Innovation, Interpersonal Relationships, IT Standards, Procedures & Policies, Managing Multiple Priorities, Matrix Management, Organizational Leadership, Planning and Organizing, Solutions Development 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 Bachelors Certifications No Required Certification(s) Licenses No Required License(s) Pay Transparency Base Salary: $75,000.00 – $150,000.00 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 07/13/2026, 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 View email address on click.appcast.io. 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 View phone number on click.appcast.io 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. For nearly 160 years, PNC has strived to make a meaningful impact for our employees, customers, communities, and shareholders. We believe our success and positive reputation are built on open and honest dialogue, an unwavering focus on smart risk management, relationship-based customer service and community investments. Our inclusive workplace allows our employees to be heard, valued, and developed to do their best work. Being a great place to work means we are making a lasting difference for everyone we serve. Check out the top reasons to join PNC. PNC’s total rewards package includes things like time off, benefits, learning and career development, wellness programs, recognition and much more. The benefits and programs highlighted below are just a sampling of what PNC offers its employees. To learn more, visit our Total Rewards page. If you're not ready to apply yet, or you'd like to learn more about PNC, join the Talent Community to receive regular updates on what's happening at PNC and available career opportunities. Click to join!