WPC Apple Card Data Scientist

Apple is a place where extraordinary people gather to do their best work. Together we craft products and experiences people once couldnt have envisioned and now cant imagine living without. If youre 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 expansive companies in the world a career with Apple might be your perfect job.n

The Wallets Payments and Commerce (WPC) team at Apple is looking for a full-stack Data Scientist who is passionate about crafting and implementing data solutions that have a direct and measurable impact on Apple this role you will help chart the future direction of Apple Card by identifying and investigating new opportunities projecting future results and ensuring the business can execute against its long-term will partner directly with product marketing finance and credit teams working cross-functionally to deliver results as well as working with external partners such as issuing banks to help deliver on our product strategy and should have experience and subject matter expertise in financial modeling payments banking credit risk operations data science and finance. Previous experience working in the credit card industry at an issuer network or co-brand partner is highly preferred. Experience with a variety of financial products is a plus.

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

Minimum of bachelors degree in engineering data science economics statistics computer science or related quantitative fieldnMinimum 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 analysisnDeep understanding of product valuation modeling and marginal decisioningnExpert data wrangler in Python (e.g. Pandas Polars) with experience working with relational databases including SQL and large-scale distributed systems such as RedshiftnProficient in cloud data platforms such as Snowflake and DatabricksnStrong experience in building scalable production ready workflows end-to-end ETL pipelines and predictive models that enable data-driven decisionsnExceptional data visualization and storytelling abilities capable of translating complex analyses into clear executive-ready insightsnExcellent written and verbal communication skills adept at translating technical results into clear compelling narratives for non-technical and executive audiencesnHighly organized self-driven and effective at prioritizing and delivering multiple initiatives under tight timelines

Advanced degree in Applied Econometrics Statistics Machine Learning Analytics Mathematics Operations Research Industrial Engineering or related field experience working in the credit card industry at an issuer network or co-brand partner is highly preferrednExperience with a variety of financial products