Apple Card Data Scientist

Join Apple’s Wallets, Payments, and Commerce (WPC) team in Cupertino, CA (onsite) and help shape the future of Apple Card. This full-stack Data Scientist role focuses on turning data into clear opportunities, reliable forecasts, and measurable execution aligned to long-term strategy. You will partner across functions and with external partners to deliver data solutions, models, measurement plans, and executive reporting.

Salary: USD 175,500 - 311,700 per year. This position also includes comprehensive benefits, including medical and dental coverage, retirement benefits, educational expense reimbursement (including tuition), and equity and stock purchase opportunities.

What you’ll do

• Build scalable, production-ready workflows, including end-to-end ETL pipelines and predictive valuation models
• Run descriptive and diagnostic analyses on large-scale datasets to surface insights that inform cross-functional priorities
• Lead new product and feature evaluations using business, strategy, and financial analysis to support executive decision-making
• Design, deploy, and evaluate measurement plans and feature launch reporting to drive higher adoption, improved business performance, and better customer experience
• Conduct hypothesis-driven exploratory analysis, select appropriate ML algorithms, and develop end-to-end model pipelines
• Research and implement new data science and data engineering technologies and methods to strengthen team capabilities
• Create data visualizations and executive reports that translate results into actionable takeaways
• Communicate insights to senior management by distilling complex work into concise, business-focused narratives
• Forecast, analyze, and report Apple Card business performance through regular updates to senior leadership and monthly and quarterly business reviews

Required qualifications

• Bachelor’s degree in engineering, data science, economics, statistics, computer science, or a related quantitative field
• Minimum 8 years of experience in data science roles with a proven track record in financial modeling, business analysis, finance, and data analysis
• Deep understanding of product valuation modeling and marginal decisioning
• Expert-level Python data work (for example, Pandas and Polars) with experience using SQL and relational databases, plus large-scale distributed systems such as Redshift
• Proficiency with cloud data platforms including Snowflake and Databricks
• Strong background building scalable production-ready workflows, end-to-end ETL, and predictive models that enable data-driven decisions
• Exceptional data visualization and storytelling skills for executive-ready insights
• Excellent written and verbal communication skills for non-technical and executive audiences
• Highly organized, self-driven, and able to prioritize and deliver multiple initiatives under tight timelines

Tools you’ll use

Python, Pandas, Polars, SQL, Redshift, Snowflake, Databricks

Benefits

• Comprehensive medical and dental coverage
• Retirement benefits
• A range of discounted products and free services
• Reimbursement for certain educational expenses, including tuition
• Discretionary bonuses or commission payments and relocation (if eligible)
• Discretionary restricted stock unit awards
• Purchase Apple stock at a discount through voluntary participation in Apple’s Employee Stock Purchase Plan

Preferred qualifications

• Advanced degree in Applied Econometrics, Statistics, Machine Learning, Analytics, Mathematics, Operations Research, Industrial Engineering, or a related field
• Previous experience in the credit card industry at an issuer, network, or co-brand partner
• Experience across a variety of financial products