**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 Balance Sheet Analytics & Modeling Retail Banking Data Modeling organization, you will be based in Pittsburgh or Philadelphia, PA, Cleveland, OH, Wilmington, DE, Tysons Corner, VA or Charlotte, NC. Preferred Skills & Experience: • Master’s degree in data science, computer science, engineering, applied mathematics or related field. A PhD degree is preferred but not required. • At least 5 years of experience with direct data science or machine learning projects in industry, with 2+ years, specifically in NLP. • Strong background in Mathematics and Statistics. Demonstrable mathematical inventiveness for novel problem solving (via probability, optimization, information theory, linear algebra) • Very strong expertise in data collection, cleaning, preprocessing, and transforming data. • Expert programming skills in Python, Spark, and SQL. Solid software practices (testing, packaging, CI). MLOps familiarity. • Experience with big data platforms. Experience with cloud-native model development and deployment preferred. • Research mindset reads/reproduces papers; designs baselines/ablations; evaluates for robustness, drift, and fairness. Meticulous about data quality, reproducibility, and experiment tracking. • Experience in transfer learning and in fine tuning open-source transformer models. Creative and pragmatic: chooses the simplest high‑impact approach (prompting, adapters, retrieval, distillation) before heavy training. • Practical NLP/LLM experience and awareness of evaluation pitfalls (hallucinations, prompt sensitivity, grounding). • Strong collaborator within and between cross-functional teams; excellent verbal and written communication skills; adapts communication to audience: effectively communicate technical concepts and results to both technical and business audiences • Curious, hardworking, detail-oriented, and action-oriented; motivated by complex analytical problems; investigates failure modes; documents learnings clearly. • Prioritizes pace over perfection and is comfortable in the face of changing circumstances and business priorities • Excited by the prospect of delivering value through the application of emerging technologies and techniques. • Previous experience in financial services industry is not required but is considered a plus. • Customer‑focused and risk‑aware; comfortable aligning work with governance expectations. 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) **Pay Transparency** Base Salary: $55,000.00 – $148,800.00 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 02/10/2026, 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 (https://content.pncmc.com/live/pnc/aboutus/HR/Onboarding/PNC\_CCPA\_Privacy\_Disclosure\_Employee.pdf) to gain understanding of how PNC may use or disclose your personal information in our hiring practices.