Product Owner III - C&IB Business Technology Originations

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 III within PNC's C&IB Business Technology Originations organization, you will be based in Pittsburgh, PA, Cleveland, Brecksville, or Strongsville, OH, Birmingham, AL, Kalamazoo, MI, Denver, CO, Louisville, KY, or Dallas, TX. Position Overview: PNC is investing in the future of Commercial Lending through the development of a modern platform designed to streamline lending processes, improve user experiences, increase efficiency, and create a scalable foundation for growth. This role offers the opportunity to shape a strategic enterprise platform that will transform how commercial lending is managed across the organization. Job Summary: he Product Owner III plays a critical role in PNC's transformation of Commercial Lending technology. This position will help drive the evolution of a next-generation Commercial Loan platform that will modernize and simplify the end-to-end lending experience for relationship managers, underwriters, risk partners, operations teams, and clients. As a Product Owner III, you will maximize the value delivered by one or more Scrum Teams by defining product vision, shaping strategic priorities, and translating complex business needs into scalable technology solutions. You will partner closely with business stakeholders, technology leaders, architects, and delivery teams to help build a platform that supports PNC's future growth, operational efficiency, and competitive differentiation in the commercial lending market. This role requires the ability to operate effectively across multiple concurrent initiatives, apply strong technical and business acumen, and lead the implementation of innovative capabilities, including AI-enabled solutions, within a highly visible strategic investment. Work Schedule: • Monday–Friday, 8:00 AM – 5:00 PM EST • Candidates in MST must be available by 7:00 AM MST • Candidates in CST must be available by 7:30 AM CST Key Responsibilities: • Partner with business, operations, and technology stakeholders to modernize legacy lending processes and capabilities through the delivery of scalable, customer-focused platform solutions. • Own, create, prioritize, and maintain one or more Product Backlogs based on business value, risk, dependencies, and stakeholder input • Clearly communicate product vision, strategic objectives, and rationale for initiatives across multiple teams and stakeholder groups • Drive execution of multiple priorities simultaneously, balancing short term delivery needs with longer term strategic outcomes • Develop and articulate detailed requirements, user stories, and acceptance criteria for complex, cross cutting capabilities • Lead backlog refinement activities to ensure work items are defined, estimated, and ready for development across all supported teams • Actively represents customer, user, and stakeholder needs by gathering feedback and incorporating insights into backlog priorities • Make informed decisions on scope, priority, and acceptance of work in alignment with the Definition of Done • Participate in and help guide Agile ceremonies including Sprint Planning, Sprint Reviews, and Retrospectives • Evaluate completed work, capture feedback, and adjust priorities based on outcomes, data, and operational learnings • Measure product performance and ensure delivery of measurable business value across initiatives • Maintain and communicate a transparent, evolving product roadmap aligned with organizational strategy, architectural direction, and team capacity • Communicate progress, risks, dependencies, and expectations to stakeholders in a timely manner, including escalations when appropriate • Partner closely with engineering, architecture, and data teams to ensure solutions are technically sound, scalable, and secure • Contribute to and support the design, delivery, and adoption of AI enabled capabilities, including defining use cases, success measures, and integration into existing workflows Required Qualifications: • Experience serving as a Product Owner or similar Agile product role with ownership of complex products or platforms • Strong understanding of Scrum and Agile delivery frameworks • Proven ability to manage and prioritize multiple workstreams or initiatives concurrently • Experience writing clear user stories, requirements, and acceptance criteria for technically complex solutions • Strong stakeholder management, communication, and collaboration skills, including interaction with senior leaders • Ability to make data driven decisions related to scope, priority, and value • Experience working with cross functional teams in a fast paced, highly regulated environment • Demonstrated technical acumen, including the ability to collaborate effectively with engineers, architects, and data teams Preferred Qualifications: • Experience supporting large-scale platform modernization, digital transformation, or replacement of legacy systems. • Experience within commercial lending, loan origination, credit underwriting, banking operations, or financial services technology. • Experience delivering products that leverage AI, machine learning, or automation. • Experience translating AI or advanced technology concepts into practical, business ready product capabilities • Experience within financial services, banking, or corporate/institutional environments • Experience measuring and optimizing product outcomes and value at scale • Familiarity with roadmap planning and long term product strategy across multiple initiatives • Experience delivering products that leverage AI, machine learning, automation, or advanced analytics • Experience translating AI or advanced technology concepts into practical, business ready product capabilities 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 definition of the product. Serves as the voice of the Customer. Ensures the Scrum Team(s) effort is concentrated on the right priorities based on business value. Defines and conveys the vision to the team(s) in order to address client requirements to ensure a successful product for business objectives. Accountable for the creation of and the integrity of the product backlog. Prioritizes and leads grooming of the product backlog. Works closely with the Scrum Master(s) and development team(s), to ensure the right items are focused on during the development process. Primary point of contact for questions from the team(s) and is empowered to make decisions. 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, Effective Communications, Innovation, Interpersonal Relationships, IT Standards, Procedures & Policies, Managing Multiple Priorities, Organizational Leadership, Planning and Organizing, Solutions Development Work Experience 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. Education Bachelors Certifications No Required Certification(s) Licenses No Required License(s) Pay Transparency Base Salary: $91,000.00 – $202,800.00 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 04/24/2026, 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!