Business Development Manager - Apple Card and Savings

Apple, Inc.; Cupertino (CA); On-site; USD 120,000 - 226,000; Full time

Benefits offered by this job

Medical and dental coverage

Retirement benefits

Employee stock programs

Education expense reimbursement

Relocation assistance

Job summary

Apple seeks a Business Development Manager to lead partnerships for Apple Card and Savings. You will own end-to-end partner management, govern engagement, and drive growth in collaboration with Product, Finance, Engineering, Legal, and Marketing teams.

The role requires strong analytical skills, contract fluency, and executive communication to navigate complex partner dynamics and deliver customer-centric financial solutions.

Qualifications

• 5-7+ years of business development or strategic partner management in payments, fintech, or financial services.
• 3+ years of direct experience within consumer credit card, co-branded financial products, or consumer lending ecosystems.
• Governance models, or enterprise-level platform transitions.
• BA/BS degree or equivalent practical experience.

Responsibilities

• Partner Management: serve as the commercial lead for critical partners with scorecards and escalations.
• Commercial Engagement: optimize terms and operating models alongside product roadmap and priorities.
• Cross-Functional Alignment: align partner requirements with product roadmap and growth initiatives.
• Investigations: contribute to partner assessments for new features and priorities.

Skills

Strategic partnerships

Financial modeling

Cross-functional collaboration

Executive communication

Education

BA/BS degree or equivalent

MBA or equivalent advanced degree

Job description

Business Development Manager - Apple Card and Savings

Cupertino, California, United States Software and Services

Apple is seeking an experienced Business Development Manager to lead strategic partnerships and the next phase of growth for Apple Card and Savings. In this role, you will manage critical partnerships and serve as the primary relationship lead, responsible for commercial engagement. We are looking for a driven, analytical, and collaborative leader who thrives in fast-paced environments, navigates complexity and ambiguity, and is passionate about delivering innovative, customer-first financial products.

Description

As a Business Development Manager for Apple Card and Savings, you will be responsible for the end-to-end partnership management and strategic partner development. Your scope spans day-to-day operating cadence and long-range strategy: understanding of partner capabilities, governance and operational performance, identifying ongoing growth opportunities, and making business cases, as well as supporting structuring and contract negotiations as the partnership evolves. You will also lead internal cross-functional engagements, collaborating with Product, Product Finance, Engineering, Legal, Credit, Fraud, Marketing, and Operations. The ideal candidate combines problem solving skills, contract fluency, and operational execution with exceptional relationship management skills to navigate complex partner dynamics and champion innovative customer experiences.

Responsibilities

• Partner Management: Serve as the commercial lead for critical partners. Establish and commercial scorecards, and escalations.
• Commercial Engagement: Identify opportunities to optimize commercial terms and operating models alongside product roadmap and program priorities.
• Cross-Functional Alignment: Partner across teams to align partner requirements with our product roadmap, ongoing initiatives, and growth aspirations.
• Investigations: Contribute to partner assessments for new features and commercial priorities.

Minimum Qualifications

• 5-7+ years of business development or strategic partner management in payments, fintech, or financial services.
• 3+ years of direct experience within consumer credit card, co-branded financial products, or consumer lending ecosystems.
• governance models, or enterprise-level platform transitions.
• BA/BS degree or equivalent practical experience.

Preferred Qualifications

• In-Depth Ecosystem Fluency: Comprehensive understanding of credit card programs and economics and issuer and payment network dynamics, including interchange and funding mechanics, co-brand partner agreements, and regulatory landscapes.
• Analytical & Financial Modeling: Ability to run scenario analyses, construct business cases, and build commercial frameworks.
• Program Governance: Experience leading working teams, joint steering forums, and managing multi-workstream internal and external engagements.
• Influence & Collaboration: Exceptional interpersonal and executive communication skills, with demonstrated ability to align senior leadership and cross-functional teams.
• Master of Business Administration (MBA) or equivalent advanced degree.

At Apple, base pay is one part of our total compensation package and is determined within a range. This provides the opportunity to progress as you grow and develop within a role. The base pay range for this role is between $119,700 and $225,600, and your base pay will depend on your skills, qualifications, experience, and location.

Apple employees also have the opportunity to become an Apple shareholder through participation in Apple’s discretionary employee stock programs. Apple employees are eligible for discretionary restricted stock unit awards, and can purchase Apple stock at a discount if voluntarily participating in Apple’s Employee Stock Purchase Plan. You’ll also receive benefits including: Comprehensive medical and dental coverage, retirement benefits, a range of discounted products and free services, and for formal education related to advancing your career at Apple, reimbursement for certain educational expenses — including tuition. Additionally, this role might be eligible for discretionary bonuses or commission payments as well as relocation. Learn more about Apple Benefits

Note: Apple benefit, compensation and employee stock programs are subject to eligibility requirements and other terms of the applicable plan or program.

Apple is an equal opportunity employer that is committed to inclusion and diversity. We seek to promote equal opportunity for all applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, Veteran status, or other legally protected characteristics. Learn more about your EEO rights as an applicant

At Apple, we believe accessibility is a fundamental human right. You’ll find that idea reflected in everything here — in our culture, our benefits and our digital tools. By welcoming as many perspectives as possible, we help you build a career where you feel like you belong.

Learn about accessibility in Apple’s workplace

Learn about reasonable accommodations for job applicants

Apple accepts applications to this posting on an ongoing basis.