Summary
Overview
Work History
Education
Certification
Timeline
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Riya Patel

Open To Relocation - Philadelphia,PA

Summary

Capital Markets professional with 7+ years of experience advising financial institutions on balance sheet strategy, loan-level hedging, interest rate derivatives, and ALM. Proven success delivering tailored hedging solutions that optimize interest margins, manage liquidity, and mitigate rate risk, while expanding client book across the Midwest and Mid-South footprints.

Overview

8
8
years of professional experience
1
1
Certification

Work History

Director, Capital Markets (Sales & Trading)

PNC Bank
01.2024 - Current
  • Advise C-suite executives at financial institutions on balance sheet hedging, interest rate risk strategies, and ALM analysis—including interpretation of ALCO reports to identify rate sensitivities and structure hedging solutions.
  • Structure interest rate derivatives and loan-level hedges to manage rate risk, improve net interest income (NIM), enhance monthly cash flow, and optimize liquidity; assist commercial banks in implementing their own loan-level hedging programs and serve as swap desk coordinator for their lending teams.
  • Collaborate with fixed income and balance sheet strategy teams to identify securities and pair them with derivatives for optimal liquidity, NIM improvement, and duration alignment.
  • Develops and presents client-facing materials and communications for new hedging strategies
  • Coordinates with various teams to identify opportunities for derivatives within securitization, particularly within affordable housing portfolios.
  • Apply financial modeling techniques including discounted cash flow models, scenario analysis, and basic valuation frameworks to support trade decisions.
  • Present to bank boards and industry audiences across the Midwest and Mid-South; received PNC's 2025 Market All-Star award as a top-performing capital markets contributor.

Associate Director, Derivatives Structuring

PNC Bank
06.2018 - 01.2024
  • Executed the highest trade volume on the team, generating millions in execution revenue.
  • Delivered over 3x revenue target in 2023, driving substantial growth in client coverage and product penetration.
  • Led internal and external training programs on derivatives, educating lending teams and borrowers on strategy and product applications.
  • Supported pre-trade infrastructure, including ISDA negotiations and documentation coordination with legal and compliance teams.
  • Enhanced execution workflow by building Murex templates and streamlining trade reporting for front- and back-office teams.
  • Led product development efforts for an online servicing portal offering month-end reports, monthly statements, and daily valuations.
  • Mentored a team of analysts and interns; led intern training design, including case study project development and onboarding materials.
  • Selected to join the Capital Markets desk a year early from PNC’s development program and promoted rapidly to Associate Director in recognition of consistent performance.

Capital Markets Operations Intern/Analyst

PNC Bank
06.2017 - 06.2018
  • Supported the COO of Derivatives and Foreign Exchange on group-wide operational initiatives and process enhancements.
  • Focused on optimizing post-trade workflows and reporting accuracy across interest rate and FX products.
  • Gained exposure to derivatives, fixed income, and foreign exchange products through work with trading, sales, and operations teams.
  • Offered early full-time placement based on performance; selected by the Derivatives & FX COO to remain as a part-time analyst during senior year.

Education

Bachelor of Science - Finance And Information Systems

University of Pittsburgh
Pittsburgh, PA
04-2018

Certification

  • FINRA Series 7
  • FINRA Series 63
  • Python Institute – PCEP: Certified Entry-Level Python Programmer
  • CMU, Tepper School of Business – Certificate in Strategy & Innovation

Timeline

Director, Capital Markets (Sales & Trading)

PNC Bank
01.2024 - Current

Associate Director, Derivatives Structuring

PNC Bank
06.2018 - 01.2024

Capital Markets Operations Intern/Analyst

PNC Bank
06.2017 - 06.2018

Bachelor of Science - Finance And Information Systems

University of Pittsburgh

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Riya Patel