Business Development Manager - Apple Card and Savings

Summary Apple is seeking an experienced Business Development Manager to lead strategic partnerships and the next phase of growth for Apple Card and Savings. In this role, you will manage critical partnerships and serve as the primary relationship lead, responsible for commercial engagement. We are looking for a driven, analytical, and collaborative leader who thrives in fast-paced environments, navigates complexity and ambiguity, and is passionate about delivering innovative, customer-first financial products.

Description As a Business Development Manager for Apple Card and Savings, you will be responsible for the end-to-end partnership management and strategic partner development. Your scope spans day-to-day operating cadence and long-range strategy: understanding of partner capabilities, governance and operational performance, identifying ongoing growth opportunities, and making business cases, as well as supporting structuring and contract negotiations as the partnership evolves. You will also lead internal cross-functional engagements, collaborating with Product, Product Finance, Engineering, Legal, Credit, Fraud, Marketing, and Operations. The ideal candidate combines problem solving skills, contract fluency, and operational execution with exceptional relationship management skills to navigate complex partner dynamics and champion innovative customer experiences.

Responsibilities

Partner Management: Serve as the commercial lead for critical partners. Establish and drive partner operating cadence, including leadership engagement, business reviews, commercial scorecards, and escalations. Commercial Engagement: Identify opportunities to optimize commercial terms and operating models alongside product roadmap and program priorities Cross-Functional Alignment: Partner across teams to align partner requirements with our product roadmap, ongoing initiatives, and growth aspirations Investigations: Contribute to partner assessments for new features and commercial priorities

Minimum Qualifications 5-7+ years of business development or strategic partner management in payments, fintech, or financial services 3+ years of direct experience within consumer credit card, co-branded financial products, or consumer lending ecosystems Proven experience managing large-scale partner programs, multi-stakeholder governance models, or enterprise-level platform transitions BA/BS degree or equivalent practical experience

Preferred Qualifications In-Depth Ecosystem Fluency: Comprehensive understanding of credit card programs and economics and issuer and payment network dynamics, including interchange and funding mechanics, co-brand partner agreements, and regulatory landscapes Analytical & Financial Modeling: Ability to run scenario analyses, construct business cases, and build commercial frameworks Program Governance: Experience leading working teams, joint steering forums, and managing multi-workstream internal and external engagements Influence & Collaboration: Exceptional interpersonal and executive communication skills, with demonstrated ability to align senior leadership and cross-functional teams Master of Business Administration (MBA) or equivalent advanced degree

Pay & Benefits 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 $119,700 and $225,600, 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.

EEO Statement 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

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Application Deadline Apple accepts applications to this posting on an ongoing basis.