Product Manager, Apple Payment Services

Apple Inc.; Cupertino, Northern (CA, KY); On-site; USD 207,000 - 280,000; Full time

Job summary

Apple Inc. in Cupertino, California, is seeking a dynamic Product Manager to define and drive new payment initiatives that enable secure purchases across stores, apps and the web, with a focus on the Greater China market.

You will collaborate with Engineering, Treasury, Legal, and Privacy teams, translate complex regulatory requirements into product roadmaps, and articulate a clear vision to executives and partners for timely delivery.

Qualifications

• 5+ years of experience in payments product management, focusing on payments orchestration and partner integrations.
• Fluent Mandarin Chinese in business environment.
• Strong technical background with ability to engage with engineering teams on system-level tradeoffs.
• Familiarity with global payments players and strategies (eWallets, Issuers, Acquirers).
• Knowledge of global regulatory trends shaping payments (SCA, tokenization) with China-specific experience.
• Ability to synthesize complex topics, align stakeholders, and communicate with senior leadership.

Responsibilities

• Collaborate with cross-functional internal and external stakeholders to develop strategic product roadmaps.
• Partner with Treasury, Payments and Privacy Legal to define the best path forward.
• Act as internal evangelist, building consensus with executives, colleagues, and external partners.
• Define detailed use cases for engineering and design teams.
• Represent business interests during design and development phases.
• Coordinate with program management to ensure timely delivery of high-quality products.
• Monitor evolving China payments regulations and translate requirements into actionable roadmaps.

Skills

Payments product mgmt

Mandarin fluency

Technical background

Payments ecosystem knowledge

China regulatory awareness

Leadership & communication

Education

BA/BS in Business or CS

Job description

Cupertino, California, United States Software and Services

Apple is a place where extraordinary people gravitate in order 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 and joining a team where we pride ourselves in being one of the most diverse and inclusive companies in the world, a career with Apple might be your dream job!The Payment Services team is looking for a dynamic Product Manager to define and drive new product initiatives that allow customers to easily make secure purchases in stores, in apps and on the web.

Description

In this role, you will work on both traditional and alternate payment methods/flows, focusing on the Greater China market.You will closely collaborate with Engineering, Business Development, Treasury, Legal, and many other teams across Apple.You should combine technical proficiency, a strong sense of user experience, tact and business insight. You should have phenomenal presentation abilities and the ability to drive an impactful vision and requirements that rally the team and delight customers.

Responsibilities

• Collaborate with a cross-functional team, including both internal and external stakeholders, to develop strategic product and feature roadmaps.
• Closely partner with Treasury, Payments and Privacy Legal to define the best path forward.
• Be the internal evangelist, build consensus with executives, colleagues, and external partners.
• Define detailed use cases intended for engineering and design.
• Represent business interests during design and development phases.
• Work with program management to communicate project status, resolve issues, and ensure that high quality products are delivered on time.
• Track and interpret evolving China payments regulations, translating requirements into actionable product and engineering roadmaps.

Minimum Qualifications

• 5+ years of experience in payments product management, with a focus on payments orchestration and partner integrations.
• Ability to read, write, and communicate fluently in Mandarin Chinese in a business environment.
• Strong technical background with the ability to engage with engineering teams and understand system-level tradeoffs.
• Fluency with payment ecosystem players' roles and strategies (e.g., eWallets, Issuers, Acquirers).
• Familiarity with global regulatory and mandate trends shaping payments (e.g., SCA, tokenization), with direct experience navigating China-specific operating requirements.
• Ability to synthesize complex topics, drive alignment, and communicate effectively with senior leadership

Preferred Qualifications

• Demonstrated ability to conceptualize and deliver end-to-end payment projects and experiences, from strategy through launch and iteration.
• Proven ability to analyze payment data to drive decisions and find opportunities for optimizations.
• Experience working across multiple product areas within a platform or ecosystem.
• Track record of operational excellence — defining processes, managing program execution, and delivering results with consistency and rigor.
• BA/BS in Business or Computer Science or equivalent experience.
• Passionate about user experience.

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 $175,500 and $311,700, 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.

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.