Credit Risk Data Science Jobs in Pleasanton, CA (NOW HIRING)

Cupertino, California, United States Software and Services

Apple is a place where extraordinary people gather to do their best work. Together we craft products and experiences people once couldn’t have envisioned — and now can’t imagine living without. If you’re 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.

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 customers. In 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 strategy. You 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 roadmap. You 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 models
• Perform descriptive and diagnostic analyses on large‑scale datasets to uncover insights that inform and influence cross functionall teams
• Drive new product and feature evaluations anchored in business, strategy, and financial analysis to support executive decision‑making on top priorities
• Design, deploy, and evaluate measurement plans and feature launch reporting that help define opportunities for higher adoption, improved business performance, and better customer experience
• Conduct hypothesis‑driven exploratory analyses, select appropriate ML algorithms, and build end‑to‑end model pipelines to deliver impactful data solutions
• Research and implement new technologies and methods across data science and data engineering to improve the technical capabilities of the team
• Build data visualizations and executive reports
• Communicate insights to senior management by distilling complex analysis and concepts into concise business‑focused takeaways
• Forecast, analyze, and report business performance for Apple Card through regular updates to senior leadership along with monthly and quarterly business reviews

• Minimum of bachelor’s degree in engineering, data science, economics, statistics, computer science, or related quantitative field
• Minimum 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 analysis
• Deep understanding of product valuation modeling and marginal decisioning
• Expert data wrangler in Python (e.g., Pandas, Polars) with experience working with relational databases, including SQL, and large‑scale distributed systems such as Redshift
• Proficient in cloud data platforms such as Snowflake and Databricks
• Strong experience in building scalable production ready workflows, end‑to‑end ETL pipelines and predictive models that enable data‑driven decisions
• Exceptional data visualization and storytelling abilities, capable of translating complex analyses into clear, executive‑ready insights
• Excellent written and verbal communication skills, adept at translating technical results into clear, compelling narratives for non‑technical and executive audiences
• Highly 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 preferred.
• 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

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 $175,500 and $311,700, 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.

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

At Apple, we believe accessibility is a fundamental human right. You’ll find that idea reflected in everything here — in our culture, our benefits and our digital tools. By welcoming as many perspectives as possible, we help you build a career where you feel like you belong.

Learn about accessibility in Apple’s workplace

Learn about reasonable accommodations for job applicants