Software Engineering Technical Lead, Apple Card & Savings

Apple, Inc.; New York (NY); On-site; USD 180,000 - 260,000; Full time

Job summary

Apple Inc. is seeking a technical lead to architect and evolve the distributed services powering Apple Card and Savings.

You will stay hands-on with code and operations, driving scalable, reliable systems and guiding cross-team collaboration during complex integrations with financial partners and internal Apple services. You will shape architecture, set release standards, and mentor engineers while maintaining a strong focus on reliability, testability, and customer trust across multi-region

Qualifications

• Experience architecting, building, and operating mission-critical distributed systems at scale.
• Hands-on software development in Kotlin or Java.
• Operational leadership: incident response, SLOs, and architectural improvements.
• Track record leading cross-team, multi-quarter projects and external partner negotiations.
• Testing-first approach: unit, integration, contract, end-to-end testing.

Responsibilities

• Architect, build, and operate mission-critical distributed services at large scale.
• Lead large, multi-quarter engineering efforts including complex integrations with external partners.
• Drive technical discussions across teams and authors specifications for external partners.
• Define and enforce SLOs, progressive release strategies, and automation standards.
• Lead incident response and translate learnings into architectural improvements.
• Review code/designs to raise the engineering bar and ensure testability from the start.
• Mentor senior engineers and shape team engineering strategy and culture.
• Champion AI-assisted development tooling to improve code quality and review throughput.

Skills

Distributed systems

Kotlin/Java

Spring

AWS

Docker

Kubernetes

Incident response

Tools

Docker

Kubernetes

AWS

Spring

Job description

The Apple Card & Savings team is building the financial products that put users in control of their money. We built Apple Card to reinvent how credit cards work, and we continue to launch groundbreaking features used by millions of people every day. We are looking for a technical lead who craves the challenge of architecting mission-critical systems at scale, sets technical direction across teams, and is equally at home in a design review, a production incident, or a technical negotiation with a financial partner.

Description

You’ll lead the architecture and evolution of the distributed services that power Apple Card and Savings, while staying hands‑on in code and operations. You’ll be given the flexibility to drive creative solutions, the support of a talented and driven team, and the autonomy and responsibility to take full ownership of critical systems.

Our team operates as DevOps: we build what we run. You’ll shape the architecture of our platform through deep experience operating, monitoring, and supporting it on call, and you’ll set the bar for how we ship and run software – safe, progressive releases, clear service level objectives, and automation over manual toil. You’ll lead large, multi‑quarter efforts – including complex integrations with financial institution and payment network partners and other Apple services – from conception through production, with reliability and customer trust as non‑negotiables.

Responsibilities

• Architect, build, and operate mission‑critical distributed services that power Apple Card and Savings at large scale
• Lead large, multi‑quarter engineering efforts – including complex integrations with financial institution and payment network partners – from conception through production
• Drive technical discussions across teams and organizations, authoring specifications and representing Apple in external partner negotiations
• Define and enforce service level objectives, progressive release strategies, and automation standards to eliminate manual toil
• Lead incident response, extract operational learnings, and translate them into lasting architectural improvements
• Review code and designs, raising the engineering bar and ensuring systems are built for testability from the outset
• Mentor senior engineers and shape the engineering strategy and culture of the broader team
• Define and champion the team’s standards for AI‑assisted development, evaluating and adopting tooling that measurably improves code quality and review throughput across the broader engineering org

Minimum Qualifications

• A demonstrated track record of architecting, building, and operating mission‑critical distributed systems at large scale, while remaining hands‑on in code.
• Deep understanding of distributed systems trade‑offs in consistency, latency, and throughput, and of data correctness patterns (e.g. idempotency, exactly‑once processing, reconciliation).
• Expert hands‑on software development skills in Kotlin or Java.
• Extensive operational experience: leading incident response, defining service level objectives (SLOs), and turning operational learnings into architectural improvements.
• A track record of leading complex, cross‑team projects from conception to production – including large migrations or platform changes – and driving consensus with diverse audiences such as global teams and external partners.
• A testing‑first approach to engineering: designing systems for testability from the outset, writing tests as an integral part of development, and defining testing strategy (unit, integration, contract, end‑to‑end) for complex services.
• No formal degree is required. What matters most is your mindset, your initiative, and your demonstrated ability to apply advanced skills to real‑world applications.
• Experience using generative AI tools throughout the software development lifecycle to produce high‑quality software.

Preferred Qualifications

Deep expertise with Spring and with high‑volume REST and/or gRPC services (server‑to‑server or mobile client facing).

Experience in payments, banking, or other regulated financial domains, including leading integrations with external financial partners and designing within compliance, consumer‑protection, and privacy requirements (e.g. change management, separation of duties, PCI).

Experience architecting containerized, cloud‑native applications (e.g. Docker, Kubernetes, AWS) designed for multi‑region resilience, failover, graceful degradation, and self‑healing, and validated through load and failure testing.