Product Owner III

NJ - East Brunswick

PA - Philadelphia

VA - Tysons Corner

PA - Pittsburgh

NC - Charlotte

TX - Houston

Full time

R236934

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 within PNC's MarTech organization, you will be based in East Brunswick, NJ; Pittsburgh, PA; Tysons Corner, VA; Houston, TX; Philadelphia, PA; or Charlotte, NC.

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

We are seeking an experienced Product Owner / Product Manager to lead strategic transformation across our Offer Platforms and broader innovation initiatives . This role will be a key contributor to Offer Modernization, while also identifying and delivering new capabilities that improve how we create, manage, deliver, and optimize customer offers.

The ideal candidate combines strong product management and Agile delivery experience with familiarity in Generative AI and Agentic AI and an innovation mindset. This individual will work across Product, Marketing, Technology, Data, Operations, Risk, and other stakeholders to modernize existing platforms, simplify complex processes, and explore emerging technologies that can improve customer and employee experiences.

The role will have responsibility for both core platform transformation and forward-looking innovation , including opportunities to apply Agentic AI, intelligent automation, advanced decisioning, and new technology capabilities to solve business problems and create scalable, reusable solutions.

Transformation & Innovation

• Drive product strategy and execution for the transformation of offer platforms and related capabilities , moving from legacy and manual processes toward modern, scalable solutions.

• Identify and prioritize innovation opportunities beyond the core Offer Modernization roadmap that can deliver meaningful customer, business, or operational value.

• Explore emerging technologies, including Agentic AI and Generative AI , and translate promising concepts into tangible use cases, prototypes, MVPs, and production capabilities.

• Challenge existing processes and identify opportunities to simplify, automate, standardize, or reimagine how work gets done.

• Partner with architecture, engineering, data, AI, business, and control teams to assess feasibility, value, risk, and scalability of new capabilities.

• Help establish reusable capabilities and product patterns that can extend across multiple offer types, products, channels, and customer journeys.

Preferred Qualifications

• Experience in one of the following - financial services, banking, MarTech, offer management, rewards, pricing, personalization, or customer decisioning .

• Experience leading or contributing to large-scale platform modernization or transformation initiatives , particularly where legacy processes and technologies are being replaced with modern, scalable capabilities.

• Familiarity with Generative AI and Agentic AI concepts , including AI agents, LLMs, orchestration, grounding/RAG, tool integration, and human-in-the-loop approaches.

• Experience identifying opportunities to apply AI, automation, or emerging technologies to simplify processes, improve customer experiences, or increase operational efficiency.

• Ability to translate innovative concepts into business use cases, MVPs, product capabilities, and actionable roadmaps .

• Experience working with enterprise technology, architecture, data, AI/ML, and engineering teams to bring new capabilities from concept through implementation.

• Understanding of APIs, enterprise data integrations, SaaS platforms, and modern technology architectures .

• Familiarity with Responsible AI, data privacy, governance, risk, and control considerations within a highly regulated environment.

• Product Owner or Product Management certification, such as CSPO or SAFe POPM , is a plus and is also identified as desirable in the existing Offer Modernization posting.

What Success Looks Like

helping move the organization beyond simply replacing legacy technology to building a modern, intelligent, and scalable offer ecosystem , while creating a pipeline of innovation that can continue to evolve the platform.

The successful candidate will:

• Transform the offer ecosystem: Help modernize legacy platforms, processes, and workflows into simpler, scalable, and reusable capabilities.

• Accelerate speed-to-market: Reduce unnecessary complexity and manual effort so new offers and capabilities can move from concept to market faster.

• Drive meaningful innovation: Identify emerging technologies and new approaches that solve real business problems, moving the strongest ideas from concept to MVP to scalable capability .

• Advance Agentic AI: Identify practical opportunities where AI agents and intelligent automation can augment teams, orchestrate workflows, improve quality, and simplify complex processes.

• Improve customer and employee experiences: Design capabilities that make offers easier to create, manage and deliver while ultimately enabling more relevant and consistent customer experiences.

• Build for scale, not one-off solutions: Establish reusable capabilities and patterns that can support multiple products, offer types, channels, and customer journeys.

• Balance innovation with control: Work effectively across Product, Technology, Data, Operations, Risk, and other stakeholders to ensure new solutions are innovative while appropriately governed.

• Create measurable business value: Establish clear outcomes and measures of success so that transformation and innovation investments are connected to customer, business, and operational impact.

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)

Language Assessments

No Required or Preferred Language Assessments

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 10/15/2026, 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 ( .

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