Consumer Programs Manager Apple Financial Services (AFS)

Consumer Programs Manager

Imagine what you could do here. At Apple, new ideas have a way of becoming great products, services, and customer experiences very quickly. Bring passion and dedication to your job and there's no telling what you could accomplish! The people here at Apple don't just build products they craft the kind of wonder that's revolutionized entire industries. It's the diversity of those people and their ideas that inspires the innovation that runs through everything we do, from amazing technology to industry-leading environmental efforts. Join Apple and help us leave the world better than we found it! AFS is looking for a consumer programs manager for US, Canada and Latin America to play a key role in negotiating and structuring consumer financing programs with leading financial institutions and FinTechs. This role will support cross-functional teams in building and managing consumer financing programs and affordability initiatives across Apple Direct and Indirect channel. Executive presence is crucial as you will be responsible for presenting to senior leaders within Apple and its partners.

Our team is seeking a highly autonomous and results-oriented individual with a strong background in partnering with financial institutions on consumer financing programs. This role demands an individual who can not only structure and negotiate with global financial institutions and Fintechs to build sustainable, scalable, and impactful consumer financing programs but also independently drive these initiatives from concept to execution within Apple's intricate global ecosystem. The ideal candidate will possess strong analytical skills and is capable of dissecting complex program data, understanding key economic drivers for all parties and translating these insights into compelling, data-driven strategies. You will be adept at navigating a complex organizational structure, proactively engaging and influencing diverse cross-functional teams across different departments and geographies, fostering collaboration, and managing competing priorities to achieve shared goals. Your strong presentation skills will be critical in articulating sophisticated strategies and program impacts to senior leadership and external partners, gaining buy-in and driving decisions. This is a dynamic, goal-oriented role that thrives in a fast-paced and ever-changing environment. We are looking for someone with insatiable curiosity, comfortable with lofty targets, who can think big while also meticulously sweating the details. You demonstrate a high level of integrity, a strong sense of urgency to "make things happen," and the ability to deliver significant results while expertly balancing the needs of multiple stakeholder interests. This highly demanding role, with the feel of a startup environment, offers end-to-end responsibilities. From independently researching industry-level trends and competitive landscapes, to strategic partner selection, program execution, and rigorous impact measurement, you will be instrumental in enabling sales through industry-leading partners and innovative financial structuring.

Minimum Qualifications :

• 10+ years of experience in business development and program execution in either the financial services industry or sales roles, with a proven ability to independently lead and manage complex projects across multiple countries and diverse stakeholder groups.
• Deep understanding of global financing practices including but not limited to financing, BNPL, subscription, leasing, rental pay as you go and country-specific legal / regulatory environments.
• Proven track record of independently structuring and negotiating sophisticated financing program agreements with major financial institutions and FinTechs. Strong analytical capabilities, adept at dissecting data, identifying trends, and developing data-driven recommendations.

Preferred Qualifications :

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.