Apple

WPC Apple Card Data Scientist

Apple$130K — $180K *
Finance & Insurance
8 - 10 years of experience
Job Overview by Ladders

Qualifications

  • Bachelor's degree in engineering, data science, economics, statistics, computer science, or a related quantitative field required.
  • 8+ years of experience in data science roles focused on financial modeling and analysis.
  • Deep understanding of product valuation modeling and marginal decisioning required.
  • Expert in Python, especially with data manipulation libraries like Pandas and Polars.
  • Proficient in cloud data platforms like Snowflake and Databricks.
  • Experience in building scalable workflows and predictive models for data-driven decisions required.
  • Strong data visualization and communication skills for executive-level insights.

Responsibilities

  • Identify and investigate new opportunities for Apple Card growth.
  • Project future results that align with Apple’s long-term strategy.
  • Partner with product and marketing teams to deliver actionable data insights.
  • Collaborate with finance and credit teams on data-driven decision making.
  • Work cross-functionally with external partners, including issuing banks, to accomplish business goals.
  • Craft and implement end-to-end data solutions for measurable impacts.
  • Translate complex data analyses into clear narratives for non-technical audiences.

Benefits

  • Collaborative and innovative workspace at Apple.
  • Opportunity to work directly with external partners in the financial ecosystem.
  • Engage in cross-functional teamwork for real-world impact.
  • Access to advanced data platforms and tools for production workflows.
Full Job Description
Description

The Wallets, Payments, and Commerce (WPC) team at Apple is looking for a full-stack Data Scientist who is passionate about crafting and implementing data solutions that have a direct and measurable impact on Apple customers. In this role, you will help chart the future direction of Apple Card by identifying and investigating new opportunities, projecting future results, and ensuring the business can execute against its long-term strategy.

You will partner directly with product, marketing, finance, and credit teams, working cross-functionally to deliver results, as well as working with external partners such as issuing banks to help deliver on our product strategy and roadmap.

You should have experience and subject matter expertise in financial modeling, payments, banking, credit, risk operations, data science, and finance. Previous experience working in the credit card industry at an issuer, network or co-brand partner is highly preferred. Experience with a variety of financial products is a plus.

Minimum Qualifications

Minimum of bachelor's degree in engineering, data science, economics, statistics, computer science, or related quantitative field

Minimum of 8 years of experience with a proven track record of success in data science roles focused on financial modeling, business analysis, finance, and data analysis

Deep understanding of product valuation modeling and marginal decisioning

Expert data wrangler in Python (e.g., Pandas, Polars) with experience working with relational databases, including SQL, and large-scale distributed systems such as Redshift

Proficient in cloud data platforms such as Snowflake and Databricks

Strong experience in building scalable production ready workflows, end-to-end ETL pipelines and predictive models that enable data-driven decisions

Exceptional data visualization and storytelling abilities, capable of translating complex analyses into clear, executive-ready insights

Excellent written and verbal communication skills, adept at translating technical results into clear, compelling narratives for non-technical and executive audiences

Highly organized, self-driven, and effective at prioritizing and delivering multiple initiatives under tight timelines

Preferred Qualifications

Advanced degree in Applied Econometrics, Statistics, Machine Learning, Analytics, Mathematics, Operations Research, Industrial Engineering, or related field preferred.

Previous experience working in the credit card industry at an issuer, network or co-brand partner is highly preferred

Experience with a variety of financial products

About Apple

Apple is a corporation that designs, manufactures, and markets mobile communication and media devices, personal computers, portable digital music players, and sells a variety of related software, services, peripherals, networking solutions, and third-party digital content and applications. Apple provides many products and services, including iPhone; iPad; iPod; Mac; Apple TV; a portfolio of consumer and professional software applications; the iOS and OS X operating systems; iCloud; and accessories, service, and support offerings. It sells its products worldwide through its retail stores, online stores, direct sales force and third-party cellular network carriers, wholesalers, retailers, and value-added resellers to the consumer and also sells third-party iPhone, iPad, Mac and iPod compatible products, including application software and accessories through its online and retail stores. Introduced in 1984, the Macintosh was the first widely sold personal computer with a graphical user interface (GUI). That feature and others such as an improved floppy drive design and a low-cost hard drive that made data retrieval faster helped Apple cultivate a reputation for innovation. Apple was named as the most admired company in the United States in 2008 and in the world from 2008 to 2012 by the Fortune magazine. The company was founded by Steven Paul Jobs, Steve Wozniak, and Ronald Gerald Wayne on April 1, 1976, and is headquartered in Cupertino, California.

Apple Careers

Join Apple, a place where extraordinary people gather to do their best work. Our ever-expanding global team is at the forefront of innovation and leadership in the tech industry. At Apple, we're not just building products—we're crafting the kind of wonder that revolutionizes entire industries. It's the diversity of our people and their ideas that inspires the innovation that runs through everything we do, from amazing technology to industry-leading environmental efforts. Work You’ll Do Embark on a journey with Apple’s market-leading team to help some of the world’s most influential companies navigate their path to digital mastery with cutting-edge technology and services. Transform industries and touch lives with your unique ideas at Apple. Here, you’ll lead through a unique position at the intersection of technology, creativity, and robust industry expertise. Collaborate with a global team of professionals who are at the top of their game in technology and design. Apple isn’t just a company, it’s a community of innovators and passionate thinkers. Introducing the Apple Innovation and Leadership Initiative We are building a market-leading team to drive our efforts in delivering groundbreaking solutions and services. At Apple, job opportunities are abundant, offering you the chance to explore diverse roles from engineering to marketing, all designed to empower your career growth. Do Innovative Work Join the largest group of creative and technical experts in the world—professionals dedicated to redefining what’s possible through technology and innovation. Deliver targeted solutions through a depth and breadth of expertise that’s unmatched, driving forward our commitment to excellence and leadership in every project we undertake. Be Part of a Great Team Engage in a wide range of projects utilizing Apple’s technology and resources. Harness the unparalleled capabilities, global scale, and joint solution development that only Apple can offer. Future-Proof Your Career Advance your career with limitless opportunities at Apple. Go as far as your ambition takes you with unmatched training, development, and certification support. Explore Discover how Apple is leading the way in tech innovation: [With iOS] Businesses can streamline operations and enhance customer interactions... READ MORE Smart home technology integration that sets the standard for convenience and security... READ MORE The Apple Experience Our combined service capabilities, global scale, and joint solution development help clients overcome challenges and lead transformation in their industries. Clients worldwide look to Apple for new strategies and solutions that drive growth and innovation in the digital era. Stay Connected Join Our Team Search open positions that match your skills and interests. We look for passionate, curious, creative, and solution-driven team players. Whether you’re seeking a professional role, an internship, or a leadership position, Apple offers a variety of employment opportunities. SEARCH APPLE JOBS Keep Up to Date Stay ahead with career tips, insider perspectives, and industry-leading insights you can put to use today—all from the people who work here. READ CAREERS BLOG Job Alert Emails Personalize your subscription to receive job alerts, latest news, and insider tips tailored to your preferences. See what exciting and rewarding opportunities await at Apple, a company committed to diversity, innovation, and leadership. Explore job opportunities, employment benefits, and the culture of growth and innovation at Apple. Prepare your resume, hone your interview skills, and ready yourself for a career at one of the most prestigious companies in the world. Join us in pushing the boundaries of what is possible.
Learn more about Apple
Size
154,000 employees
Market Cap
$2,074.3 billion
Industry
Net Income
$63.9 billion
Founded
1976
5 Year Trend
+11.5%
Revenue
$294.1 billion
NASDAQ

Similar Jobs

More Jobs at Apple

More Finance & Insurance Jobs

Find similar WPC Apple Card Data Scientist jobs: