Product Manager, Apple Pay

Apple Inc.; Cupertino (CA); On-site; USD 145,000 - 264,000; Full time

Benefits offered by this job

Employee stock programs

Discretionary stock awards

Employee Stock Purchase Plan

Medical and dental coverage

Educational expense reimbursement

Relocation assistance

Discretionary bonuses or commission

Relocation included

Job summary

Apple Inc. is seeking a talented product professional to improve the Apple Pay and Wallet user experience while strengthening trust and safety for users.

The role focuses on end‑to‑end provisioning, new identification and verification features, and fraud prevention, partnering with Engineering, Human Interface, Trust and Safety, and external partners to deliver secure experiences. You will lead cross‑functional teams, drive strategy, and shape roadmaps, balancing innovation with risk management

Qualifications

• 8+ years of product management experience delivering consumer products with designers, engineers, and data scientists.
• Experience leading cross-functional initiatives across engineering, design, marketing and legal.
• Strong technical foundation to engage with engineering and understand system trade-offs.
• Fluency with payment ecosystem roles, mechanics and strategies.
• Experience leveraging AI tools for product management workflows.
• Ability to synthesize complex topics, drive alignment, and communicate with senior leadership.

Responsibilities

• Guide teams across multiple functions to lead cross‑functional projects.
• Drive innovation in provisioning and fraud prevention while reducing friction.
• Envision and build strategies, roadmaps, and features for provisioning and risk platforms.
• Evangelize product strategy to align executives and partners.
• Lead go-to-market planning and execution across partners, optimizing impact.
• Collaborate with networks, issuers, merchants, and ecosystem players on product development.

Skills

Product management

Cross-functional leadership

Technical foundation

Payment ecosystem knowledge

AI in product management

Executive communication

Job description

Apple is a place where extraordinary people gather to do their best work. Together we craft products and experiences people once couldn't have imagined — and now can't imagine living without. If you're excited by the idea of making a real impact, a career with Apple might be your dream job! The Apple Pay team is seeking a talented product professional to improve the Apple Pay and Wallet user experience while enhancing the trust and safety of our users.

Description

The ideal candidate is a product leader who loves building products that are innovative, intuitive, and performant. In this role, you will focus on the end-to-end provisioning experience, develop new identification and verification features, and help combat fraud. You will partner directly with Engineering, Human Interface, Trust and Safety, Business Development, and other teams across Apple. You will also work closely with external partners such as payment networks, issuers, merchants, and other ecosystem players to deliver results. We are looking for a motivated candidate who is passionate about great customer experiences and wants to invent the future of authentication and fraud prevention.

Responsibilities

• Guide teams across Human Interface, Engineering, Legal, Business Development, Marketing, Analytics, and Operations, leading intricate cross-functional projects.
• Drive innovation in provisioning and fraud prevention that protects users while reducing friction.
• Help envision and build new strategies, roadmaps, and product features for the provisioning and risk platform.
• Drive progress by evangelizing product strategy to build alignment across executives, cross-functional partners, and external stakeholders.
• Drive go‑to‑market planning and execution, ensuring readiness across all partners and optimizing for measurable impact.
• Drive adoption and collaborate with strategic partners — networks, issuers, merchants, and other ecosystem players — on product development.

Minimum Qualifications

• 8+ years of product management experience building and launching consumer products with designers, engineers, and data scientists.
• Demonstrated ability to lead cross-functional initiatives spanning engineering, design, marketing, and legal.
• Strong technical foundation, with the ability to engage with engineering teams and understand system‑level trade‑offs.
• Fluency with payment ecosystem roles, mechanics, and strategies (networks, issuers, PSPs, e‑commerce platforms, and merchants).
• Fluency in leveraging AI tools for product management workflows.
• Proven ability to synthesize complex topics, drive alignment, and communicate effectively with senior leadership.

Preferred Qualifications

• Proven track record of moving key provisioning metrics, including conversion, consumer and merchant adoption, fraud rates, and payment volume.
• Working knowledge of how AI impacts fraud management, identity, and commerce.
• Familiarity with the regulatory environment shaping authentication and provisioning (e.g., 3‑D Secure, SCA, evolving identity standards).
• Track record of operational excellence — defining processes, managing program execution, and delivering results with consistency and rigor.
• Experience working across multiple product areas within a platform or ecosystem.
• An MBA or advanced technical degree 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 $144,600 and $263,800, 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.