Senior Financial Analyst - Wallet, Payments & CommerceCupertino,California,United StatesCorporate FunctionsImagine what you could do here. At Apple, new ideas have a way of becoming extraordinary products, services, and customer experiences very quickly. Bring passion and dedication to your job and there's no telling what you could accomplish. If you love thinking analytically and are passionate about using your financial knowledge to navigate challenges, we'd love to hear from you! Just as our customers find value in Apple products, the Finance group finds value for both Apple and its shareholders. You and your team will support Appleʼs growth, both top and bottom line, by applying the same level of innovation toward financial matters as we do toward our products and services. Youʼll also collaborate with Apple teams across the world to drive informed decisions and execute strategies. Finance upholds our global commitment to excellence, and it is directly responsible for shaping the companyʼs future. As part of the Wallet, Payments, and Commerce (WPC) Finance team, this role is an integral part of the fast-growing and dynamic team supporting over 10 services within the Wallet App, including Apple Pay, Apple Card and Apple Cash. Finance is focused on business forecasting and working with multiple business partners to improve the performance of various initiatives for these very dynamic and rapidly evolving products. The job will entail close partnership with numerous business and functional teams, and will require mastering various financial tasks such as reporting, analysis, systems dynamics, and forecasting.DescriptionThis is an exciting opportunity that entails the following responsibilities: - Be part of the WPC Finance team responsible for all financial aspects of Revenue and Cost, partnering with cross-functional business partners including Marketing, Operations, and - Engineering functions to develop, simplify, and/or improve financial processes, accounting treatments, and operational processes. - Partner with FP&A to ensure accurate forecasting, product profitability, variance analysis, and - Risk and Opportunity assessments across all WPC products for various short-term and long-term, and budget forecasts. - Manage all aspects of quarter closes, ensuring accurate controllership across various WPC products, mainly through accruals and reclasses. Then, ensure holistic implementation and alignment by actualizing forecasts. - Contribute to forecasts that reflect the changing macroeconomic environment and internal strategies to aid in improved forecasting across all WPC products. - Drive systems reporting enhancements, expansion, and reconciliations. - Support the development of new products, and current product expansion, across all respective global markets. - Serve as part of the team responsible for educating broader teams about the payments space, including macroeconomic trends and changes that influence our products.Minimum Qualifications
5+ years of finance experience, or related forecast/planning experience
BS/BA or equivalent in Accounting, Finance, or a related field
Key QualificationsPreferred Qualifications
Experience in Fintech highly preferred.
Utmost ease performing quantitative and financial analyses in a product & service context; able to work comfortably with incomplete information while dealing with ambiguity.
Strong business acumen and high intellectual curiosity with solid interest in Appleʼs products, services, technology, business, and strategy.
Extraordinarily detail oriented while able to keep sight of the “big picture.”
Passion for automating and improving processes, and drive to adopt latest technology tools at our disposal.
Strong Financial Modeling skills knowledge. Intermediate Accounting knowledge preferred. Excellent Excel skills. Tableau, Essbase, SAP and/or SQL knowledge preferred.
Outstanding verbal and written business communication skills. Keynote experience preferred.
Education & ExperienceAdditional RequirementsPay & 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 $133,900 and $201,300, 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 (https://www.apple.com/careers/us/benefits.html) 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.
Apple is an equal opportunity employer that is committed to inclusion and diversity. We take affirmative action to ensure 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. (https://www.eeoc.gov/sites/default/files/2023-06/22-088EEOCKnowYourRights6.12ScreenRdr.pdf)
Apple FooterApple is an equal opportunity employer that is committed to inclusion and diversity. We take affirmative action to ensure 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 (Opens in a new window) .Apple will not discriminate or retaliate against applicants who inquire about,disclose,or discuss their compensation or that of other applicants. United States Department of Labor. Learn more (Opens in a new window) .Apple will consider for employment all qualified applicants with criminal histories in a manner consistent with applicable law. If you’re applying for a position in San Francisco,review the San Francisco Fair Chance Ordinance guidelines (opens in a new window) applicable in your area.Apple participates in the E-Verify program in certain locations as required by law. Learn more about the E-Verify program (Opens in a new window) .Apple is committed to working with and providing reasonable accommodation to applicants with physical and mental disabilities. Apple is a drug-free workplace. Reasonable Accommodation and Drug Free Workplace policy Learn more (Opens in a new window) .
