Senior Data Scientist — Wallets & Card Analytics

Apple Inc.; Cupertino (CA); On-site; USD 175,500 - 311,700; Full time

Job summary

Apple Inc. in Cupertino, CA is seeking a full‑stack Data Scientist for the Wallets, Payments, and Commerce team to craft data solutions with measurable impact on Apple Card.

You will identify opportunities, project outcomes, and collaborate with product, marketing, finance, and credit teams to drive strategy. You should be an expert in Python, SQL, and building end‑to‑end ETL pipelines, with experience in Redshift, Snowflake, and Databricks.

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.

Responsibilities

• Build scalable production ready workflows, end-to-end ETL pipelines and predictive valuation models
• Perform descriptive and diagnostic analyses on large-scale datasets to uncover insights that inform and influence cross functionall teams
• Drive new product and feature evaluations anchored in business, strategy, and financial analysis to support executive decision-making on top priorities
• Design, deploy, and evaluate measurement plans and feature launch reporting that help define opportunities for higher adoption, improved business performance, and better customer experience
• Conduct hypothesis-driven exploratory analyses, select appropriate ML algorithms, and build end-to-end model pipelines to deliver impactful data solutions
• Research and implement new technologies and methods across data science and data engineering to improve the technical capabilities of the team
• Build data visualizations and executive reports
• Communicate insights to senior management by distilling complex analysis and concepts into concise business-focused takeaways
• Forecast, analyze, and report business performance for Apple Card through regular updates to senior leadership along with monthly and quarterly business reviews

Skills

Python (Pandas/Polars)

SQL

Data analysis

Communication

Visualization

Cross-functional collaboration

Financial modeling

ETL pipelines

Machine learning concepts

Education

Bachelor's degree in engineering, data science, economics, statistics, computer science

Tools

Redshift

Snowflake

Databricks

Cloud platforms

Job description

Apple Inc. in Cupertino, CA is seeking a full‑stack Data Scientist for the Wallets, Payments, and Commerce team to craft data solutions with measurable impact on Apple Card.

You will identify opportunities, project outcomes, and collaborate with product, marketing, finance, and credit teams to drive strategy. You should be an expert in Python, SQL, and building end‑to‑end ETL pipelines, with experience in Redshift, Snowflake, and Databricks.