Finance Analyst, Apple Card, Services Finance

Apple, Inc.; Cupertino (CA); On-site; USD 141,000 - 211,000; Full time

Benefits offered by this job

Medical coverage

Dental coverage

Retirement benefits

Employee stock purchase plan

Tuition reimbursement

Job summary

Apple Card's Services Finance team in Cupertino seeks a Finance Analyst to partner with business and functional teams, build robust financial models, and drive profitability. You will provide analytical support, inform decision making, and help chart the long-term strategy for Apple Card.

The role requires strong communication, advanced Excel, Tableau, and Keynote skills, with the ability to operate across a large, global organization.

Qualifications

• 5+ years of experience in financial modeling, business analysis, finance, and data analysis.
• Bachelor's degree in Finance, Accounting, or other quantitative field.
• Experience forecasting P&Ls in financial services and building business cases with Excel.

Responsibilities

• Forecast, analyze, and report business performance for Apple Card through regular updates to senior leadership
• Analyze business performance to identify recommendations for cross-functional improvements
• Support month-end and quarter-end close, including revenue and COGS accruals, journal entries, and SAP reconciliation
• Validate partner reporting and invoicing against contractual program economics, and serve as an approver in the invoice control workflow
• Provide analytical support to evaluate operational decisions
• Develop financial analysis for new features and strategic opportunities (e.g., financials, market sizing)
• Work with cross functional teams across Apple to support quarterly processes
• Develop and implement cross-functional frameworks and controls for financial operations and execution of deal economics
• Champion the use of modern and emerging technologies - from automation tools to AI-powered workflows - to accelerate analysis and surface insights that would otherwise go unseen

Skills

Financial modeling

Business analysis

Data analysis

Excel

KPI storytelling

Education

Bachelor's degree in Finance/Accounting or quantitative field

Tools

Excel

Tableau

Keynote

Job description

Finance Analyst, Apple Card, Services Finance

Cupertino, California, United States Corporate Functions

Imagine what you could do here. At Apple, new ideas have a way of becoming great products, services, and customer experiences very quickly. Bring passion and dedication to your job and there's no telling what you could accomplish. Do you love thinking analytically? Are you passionate about using your financial knowledge to navigate complex challenges? Just as our customers find value in Apple products, the Finance group finds value for both Apple and its shareholders. As part of this group, you'll play an integral role in ensuring our day-to-day financial health. You and your team will support Apple's growth, both top and bottom line, by applying the same level of innovation toward financial matters as we do toward our products and services. You will also collaborate with Apple teams across the world to develop more informed decisions and financial management. Finance is essential to upholding our global commitment to excellence, and it is directly responsible for shaping the company’s future. Join us, and you will have a meaningful role in continuing Apple’s legacy of efficiency and success.

Description

You will be part of the Services Finance team supporting Apple Card business, focused on improving the profitability of our dynamic and rapidly evolving Services businesses. In this role, you will serve as a trusted financial partner to business and functional teams — partnering to make informed decisions, craft compelling financial narratives, and bring strategic initiatives to life. You will bring a problem-solving mindset, strong business instincts, and a genuine enthusiasm for leveraging cutting-edge technologies to elevate the work of those around you. The ideal candidate is someone who is detail oriented, experienced at financial modeling, financial operations, and proficient at summarizing key take-aways for executive audience presentations. You will also help chart the future direction of Apple Card by monitoring and reporting on key performance indicators, projecting future business results, identifying recommendations to product, marketing, and business development teams, investigating new opportunities, and ensuring the business can execute against its long-term strategy.

Responsibilities

• Forecast, analyze, and report business performance for Apple Card through regular updates to senior leadership
• Analyze business performance with the goal of identifying recommendations for cross-functional teams to address through features and other improvements
• Support month-end and quarter-end close, including revenue and COGS accruals, journal entries, and SAP reconciliation
• Validate partner reporting and invoicing against contractual program economics, and serve as an approver in the invoice control workflow
• Provide analytical support to evaluate operational decisions
• Develop financial analysis for new features and strategic opportunities (e.g., financials, market sizing)
• Work with cross functional teams across Apple to support quarterly processes
• Develop and implement cross-functional frameworks and controls for financial operations and execution of deal economics
• Champion the use of modern and emerging technologies - from automation tools to AI-powered workflows - to accelerate analysis and surface insights that would otherwise go unseen

Minimum Qualifications

• 5 years of experience with a proven track record of success in roles focused on financial modeling, business analysis, finance, and data analysis
• Bachelor's degree in Finance, Accounting, or other quantitative field

Preferred Qualifications

• Experience forecasting P&Ls in financial services businesses with ability to implement model best-practices in both forecasting models and business cases using Excel
• Experience developing business cases around market opportunities and partnerships - including strategy development, market segmentation, competitive analysis, and financial analysis
• Excellent written and verbal communication skills and strong experience with Keynote - ability to synthesize complex topics and distill key business dynamics to senior leaders and partners
• Advanced spreadsheet and modeling skills
• Strong verbal and written communication skills with the ability to articulate results of analysis in a clear and concise manner
• Should be able to act independently and be self-motivated
• Demonstrated success in handling multiple activities/projects and priorities in a dynamic, fast-growing, results-driven environment
• Proven experience developing processes and/or improving existing processes, with desire to influence change across our team and Apple as an organization
• Ability to see the big picture while simultaneously zooming into the details
• Ability to navigate through a large organization and cross-functional teams to achieve a task with minimal oversight
• Strong prioritization skills with ability to manage multiple projects simultaneously
• Self-starting attitude and a strong leader and influencer
• Experience with Excel, Keynote, and Tableau
• Co-branded credit card financial / business experience
• MBA and/or CPA is a plus

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 $140,700 and $211,400, 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.