afs finance and risk analyst

business analyst

commodity financial analyst Jobs in Cupertino

commodity financial analyst

financial analyst v [209125] Jobs in Cupertino

financial analyst v [209125]

financial analyst, engineering finance Jobs in Cupertino

financial analyst, engineering finance

senior financial analyst

Apple

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! Do you love thinking analytically? Are you passionate about using your financial knowledge to navigate sophisticated challenges? Just as our customers find value in Apple products, the Finance group finds value for both Apple and its shareholders. 
 
As part of this group, you&rsquo;ll play an integral role in ensuring our day-to-day financial health. You and your team will support Apple&rsquo;s growth, both top and bottom line, by applying the same level of innovation toward financial matters as we do toward our products and services. Finance is essential to upholding our global commitment to excellence, and it is directly responsible for shaping the company&rsquo;s future. Join us, and you&rsquo;ll have an important role in continuing Apple&rsquo;s legacy of efficiency and success. 
 
Description 
 
Apple is seeking a highly motivated and experienced finance professional to join the Engineering Finance team to support the Software Engineering teams. You will be an integral part of the Engineering Finance team, working directly with engineering partners and cross functional Finance teams.&quot;,&quot;responsibilities&quot;:&quot;Own annual planning, monthly forecasting and quarterly close processes for Software Engineering teams 
 
Work directly with Engineering teams and SWE Business operations teams to formulate and understand forecast drivers 
 
Have a passion to dive deep, learn, and collaborate with senior leadership on Apple Software roadmaps and key feature deliverables; be able to link spending decisions to feature and product roadmaps 
 
Support quarterly business review presentation with Engineering and Finance leadership, proactively anticipating and addressing potential questions 
 
Understand and document accounting impact of software strategies 
 
Preferred Qualifications 
 
Strong sense of team &amp; relationships 
 
Self-motivated and independent with the ability to deliver compelling solutions in a fast-paced environment 
 
Strong verbal and written communication skills with the ability to articulate results of analysis succinctly 
 
CPA 
 
Minimum Qualifications 
 
7+ years of relevant experience with Big 4 or direct technology experiences preferred 
 
Bachelor's Degree in either Accounting, Finance, Economics, Operations Planning 
 
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 . 
 
Pay &amp; 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 $137,900 and $207,300, 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 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.

Senior Financial Analyst, Software Engineering Finance

At Apple, we don't just improve financial processes incrementally. We rethink how they should work. 
 
The Corporate FP&amp;A team is building the next generation of balance sheet and cash flow forecasting. We are actively exploring how AI, machine learning, and evolving Finance Transformation tools can enhance and modernize our process. We are working toward an analytical framework that can translate revenue, COGS, and operating expense dynamics into forecasts that are accurate, scenario-ready, and trusted at Apple scale. 
 
We are looking for a financial thinker who sees forecasting not as a reporting exercise but as a systems-level modeling challenge. Someone who can own Apple's consolidated balance sheet and cash flow forecast, bring the financial judgment to make it accurate, and serve as a bridge between finance, systems, and the process transformation efforts reshaping how forecasting works across the company. 
 
- Why This Role Is Different - 
 
Most balance sheet and cash flow roles ask you to consolidate inputs from other teams. This role asks you to build the intelligence behind the forecast itself and to own the judgment calls that determine its key assumptions. 
 
Revenue and cash move on different timelines. Channel sell-in differs from cash collection. Small shifts in working capital days move billions. Inventory builds consume cash before revenue arrives. Deferred revenue from services inverts the timing. Accruals, non-cash items, tax timing, and FX each create gaps between what the P&amp;L says and what cash actually does. Nothing moves alone, and the person in this seat needs to hold that integrated picture. 
 
The role has two dimensions. You'll partner with teams across the company to collect their forecasts and insights on cash flow. And you'll work internally within Corporate FP&amp;A to develop and refine our own complex assumptions and models where we own the analysis directly. The output of both feeds into a consolidated view that is shared monthly to Senior FP&amp;A leadership, Treasury, and the CFO to support strategic considerations and decision-making. 
 
Description 
 
Own the Forecasting Framework &amp; Key Assumptions: Design, build, and refine the models that link P&amp;L assumptions to balance sheet and cash flow outcomes. Own the analytical judgment that sets key assumptions. That means separating structural changes from timing noise, modeling the real business mechanics underneath working capital (payment terms, supplier negotiations, manufacturing ramps, collections behavior across geographies), and understanding how cash tax timing and strategic decisions impacting the structure of our supply chain flow through to the balance sheet and cash flow forecast. 
 
Lead &amp; Improve the Forecast Process: Lead the company-wide rollup, coordinating with stakeholders across Sales and Retail Finance, Operations, Treasury, Tax, Accounting, and the other business units across the company. Don't just run the process, build it. Develop a vision for how the rollup evolves into a systematic capability with structured data flows, automated validation, and less reliance on ad hoc reconciliation. Challenge assumptions, reconcile inputs, and serve as the central point of accountability for forecast accuracy and executive-ready deliverables. 
 
Partner Across the Business &amp; Connect to Transformation: Be a genuine partner to the business teams that submit forecast inputs. Not by asking for better numbers, but by helping define the tools, data structures, and processes that make better numbers possible. This role sits at a natural intersection with Apple's broader Finance Transformation efforts. You'll see what the business teams need, what the forecasting process demands, and where investments in infrastructure or tooling can close the gap. 
 
Evolve the Toolkit &amp; Help Scale AI/ML Applications (Building What's Next): Identify and implement opportunities to augment forecasting with AI and machine learning, pattern recognition, anomaly detection and, predictive modeling for key drivers. Partner with data science and engineering teams to prototype and scale where it adds real value. We see a future where the forecast is less about assembling data and more about interpreting it. You'll help shape that vision and move it forward. 
 
Preferred Qualifications 
 
Strong Financial Judgment: You can own complex assumptions, distinguish signal from noise, and clearly articulate your rationale. You don't just run models, you interpret what they're telling you. 
 
Business Acumen: You want to understand the business behind the numbers. You're naturally curious about how products ship, how cash collects, and why actuals differ from plan. 
 
Process Mindset: You think about how work gets done, not just the output. You see opportunities to make recurring processes more reliable and efficient. 
 
Modeling Proficiency: Strong Excel skills are a given. Experience with additional tools (e.g., SQL, Tableau, or similar) is a plus but not required - what matters is building models that are clear, repeatable, and auditable. 
 
Cross-Functional Influence: Track record of working effectively across teams and influencing without authority. You see yourself as a partner to business teams, not a consumer of their inputs. 
 
Communication Skills: Ability to distill complex financial dynamics into clear, concise narratives for senior leadership. 
 
Intellectual Curiosity: Interest in how forecasting is evolving and openness to new approaches and tools. 
 
MBA, CFA, or advanced degree is a plus but not required. 
 
Minimum Qualifications 
 
5+ years of experience in finance, forecasting, planning, or analytical roles 
 
BS or BA in Business, Economics, Finance, Accounting, or a related quantitative field, or equivalent practical experience 
 
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 . 
 
Pay &amp; 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 $137,900 and $207,300, 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 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.

Senior Financial Analyst - Corporate FP&A

Imagine the impact you could make here. At Apple, ideas quickly become groundbreaking products, services, and customer experiences. Bring your passion for numbers, strategy, and people, and there&rsquo;s no telling what you&rsquo;ll accomplish. Just as customers discover value in Apple products, our Finance group creates value for both Apple and its shareholders. We fuel Apple&rsquo;s growth by applying the same innovation to financial matters that defines our products and services. As part of the WW Retail Finance team, you&rsquo;ll partner with teams across the globe to influence decisions, shape strategy, and strengthen Apple&rsquo;s future. We are seeking a Senior Financial Analyst with tenacity, creativity, and curiosity to help support WW Retail Store Operations. 
 
Description 
 
This role will be responsible for providing world-class business insights and support to Apple Retail Leadership through the ownership of plan, forecast, close, and KPI development for Store OpEx. 
 
We are looking for a proven individual contributor with sharp analytical skills who is able to independently problem solve, innovate, and execute to deliver the highest quality outcomes across all levels of the organization.&quot;,&quot;responsibilities&quot;:&quot;Independently own annual planning, monthly forecasting, and quarterly close for Retail OpEx. 
 
Partner closely with Apple Retail leadership to support strategy, budgeting, and reporting. 
 
Design and implement KPIs, metrics frameworks, and underlying data structures. 
 
Deliver financial reporting and actionable business insights to Retail and Finance leadership. 
 
Build cross-functional partnerships across Apple to drive the highest quality outcomes. 
 
Ensure governance and compliance with Apple Finance policies across organizations. 
 
Develop a deep understanding of Apple Retail to guide deliverables and decision-making. 
 
Continuously evaluate and improve processes, systems, and reporting efficiency. 
 
Preferred Qualifications 
 
Analytical ability to synthesize complex problems and datasets into business insights. 
 
Advanced Excel proficiency to support FP&amp;A processes and KPI measurement. 
 
Experience across the data stack, including Snowflake, SQL, Python, and Tableau. 
 
Exceptional communication and presentation skills across all levels of leadership. 
 
Proactive problem solver who brings proposed solutions alongside identified issues. 
 
Strong interpersonal skills with the ability to build and maintain partnerships across Apple. 
 
Comfortable navigating ambiguity and incomplete information in a fast-paced environment. 
 
Highly curious, willing to learn, and driven to uncover root versus surface-level explanations. 
 
Minimum Qualifications 
 
5+ years of relevant finance experience in a high-performance organization 
 
BA or BS in Finance, Accounting, Economics, Mathematics, or Business (or equivalent) 
 
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 . 
 
Pay &amp; 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 $137,900 and $207,300, 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 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.

WW Retail Senior Financial Analyst - Store Operations

Apple&rsquo;s Strategic Deals and Risk Management team is tasked with deploying financial expertise to solve complex operational challenges within the company&rsquo;s global supply chain. Apple&rsquo;s supply chain is unparalleled in its complexity and a cornerstone of the company&rsquo;s renowned worldwide operations, balancing the demands of global scale and cutting-edge technology with efficiency and adaptability. These challenges include, not just the demands of present situation (such as product cost and availability), but also those of the future (such as supply chain sustainability and carbon footprint). 
 
Description 
 
We are looking for a savvy professional with top-level finance talent to join our team as a Senior Operations Finance Analyst. This position requires not only complex financial analyses, but also the ability to drive tangible operational results both within and outside of the organization. This is a highly visible role with significant cross-functional team engagement and executive exposure. You should, therefore, have outstanding interpersonal, team-building, and communication skills. Finally, we seek someone who embodies what it means to be &ldquo;Apple&rdquo;. This person is fueled by a passion to do their life&rsquo;s best work, thrives in a fast-paced, dynamic environment, and has the curiosity and drive to consistently deliver world-class results.&quot;,&quot;responsibilities&quot;:&quot;Specific responsibilities will include (but are not limited to): - Performing corporate credit assessments to drive strategic sourcing decisions - Engaging with supplier C-suite executives to lead in-depth financial reviews that reveal both financial challenges and potential solutions - Developing and driving operational risk mitigation solutions during situations of supplier financial distress - Negotiating, structuring, and executing supply chain finance transactions - Building detailed financial models of supplier profitability, cash flow, and capital structure under multiple business scenarios. 
 
Preferred Qualifications 
 
5+ years of finance experience required (e.g. Investment Banking, Consulting, Private Equity, Corporate Development, Restructuring, Big 4 Transaction Services) 
 
Thorough understanding of and experience with accounting, financial statement analysis, and financial forecast evaluation 
 
Detailed knowledge of capital structure analysis, including causes of financial distress and potential solutions 
 
Excellent verbal and written communication skills, and ability to articulate complex financial data and concepts in simple business terms 
 
Highly motivated self-starter, with proven ability to think strategically and motivate change across a global organization 
 
Strong prioritization skills, with track record of successfully managing multiple, complex projects simultaneously 
 
Advanced in Mandarin 
 
Minimum Qualifications 
 
5 years of relevant finance experience 
 
Bachelor's Degree or equivalent 
 
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 . 
 
Pay &amp; 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 $137,900 and $207,300, 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 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.

Senior Operations Financial Analyst

As a Commodity Finance Analyst, you will play a critical role in managing Apple's commodity costs, ensuring accurate financial reporting, and supporting strategic decision-making within the Worldwide Procurement Finance team. You will be responsible for forecasting commodity prices, analyzing variances, and collaborating with operations and supply chain teams to optimize costs and mitigate risks in a dynamic global market. Your insights will directly impact Apple's profitability and strategic sourcing decisions. 
 
Description 
 
The Worldwide Procurement Finance group is a critical function that provides analytical support for key cost data, including standard costs, forecasted costs, and actual costs for Apple's extensive range of commodities. As a Commodity Finance Analyst, you will report to the Manager of Commodity Financial Management and will be responsible for some specific commodities or categories. You will work with minimal direct supervision, performing a variety of complex and non-routine tasks that directly impact Apple's gross margin and profitability. This role offers the opportunity to work on challenging projects, collaborate with cross-functional teams, and contribute to Apple's continued success. Our team is highly collaborative and values innovation and continuous improvement. &quot;,&quot;responsibilities&quot;:&quot; 
 
Preparation of key commodity forecasts used in monthly purchase price variance forecast and gross margin analysis. 
 
Provide support and guidance to operations personnel as issues arise related to the supply chain or business processes. 
 
Reconciliation of actual costs to forecasted costs for key commodities supply chain analysis for key commodities to identify major drivers in cost changes for key commodities. 
 
Reconciliation and analysis of Apple supply chain data to contract manufacturer and supplier data. 
 
Preparation of quarter-end accounting entries necessary for accurately representing the cost of key commodities in the financial statements. 
 
Manage ad hoc requests related to the supply chain business process reengineering. 
 
Effectively handle ambiguity and uncertainty. 
 
Drive for excellence with detail orientation. 
 
Preferred Qualifications 
 
MBA, CPA, CFA, or other relevant advanced degree or professional certification is a plus. 
 
Excellent oral and written communication, interpersonal, and presentation skills. 
 
Strong analytical and problem-solving skills at both macro and micro levels. 
 
Experience with SAP or other ERP systems. 
 
Operations and Supply Chain Finance experience. 
 
Experience with data analysis and visualization tools (e.g., Tableau, Power BI). 
 
Experience in preparing key commodity forecasts used in monthly purchase price variance forecast and gross margin analysis. 
 
Experience in reconciliation and analysis of Apple supply chain data to contract manufacturer and supplier data. 
 
Minimum Qualifications 
 
Bachelor&rsquo;s degree in accounting, finance, or related field of study. 
 
5 years of related finance/accounting experience, ideally with a focus on commodity finance, supply chain finance, or cost accounting. 
 
Proven knowledge of Excel. 
 
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 . 
 
Pay &amp; 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 $137,900 and $207,300, 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 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.

Senior Commodity Financial Analyst

The Retail Finance Process, Analytics, Reporting, and Technology (PART) team is looking for a passionate and highly motivated analyst. As part of this team, you will support Apple's growth, both top and bottom line, by applying the same level of innovation toward financial matters as we do toward our products and services. We work closely with various business teams to deeply understand current and future commercial initiatives and then partner with data engineering, data science and full stack development teams to ensure our finance teams are fully empowered to operate efficiently and make well informed decisions. 
 
Description 
 
We are looking for an outgoing professional with high analytical capacity, creativity, intellectual curiosity and strong interpersonal skills to support the WW Retail Finance Organization. In this role, you will be responsible for partnering across business teams to execute on internal reporting, applications and data optimization. This work will enable to Retail Organization to leverage opportunities and improve key finance capabilities. The position requires the ability to understand and work with complex data sets, generated from equally complex business processes, in order to drive insights. &quot;,&quot;responsibilities&quot;:&quot;Deeply understand Apple's relevant business activities, commercial interests and related processes 
 
Partner with and train analysts to best use our data and technology infrastructure for building dashboards/reports and conducting analyses 
 
Proactively identify opportunities to improve processes, tools, or analysis, demonstrating intellectual curiosity beyond the immediate scope of work. 
 
Translate opportunities/business requirements into technical requirements and work with technical partners to assess feasibility and form project plans 
 
Communicate the business value of proposed projects to senior leadership by framing opportunities in terms of impact, feasibility, and alignment with strategic goals, enabling effective prioritization and resourcing decisions 
 
Drive prioritized projects and communicate progress on planned milestones to senior leadership 
 
Collaborate with engineering and data partners to influence tool and pipeline design decisions that improve usability and long-term maintainability 
 
Document and share reusable frameworks, templates, and tools to improve onboarding and speed up solution delivery 
 
Preferred Qualifications 
 
Excellent problem-framing, problem solving and project management skills, with the ability to change direction quickly 
 
Strong verbal and written communication skills with ability to articulate results of analysis in business terms 
 
Confirmed ability to conduct complex, data driven analysis 
 
Knowledge of SQL and working with large datasets 
 
A basic understanding of data design pattern differences between transactional ERP systems (e.g. SAP) and analytical data warehouses (e.g. BigQuery, Snowflake) 
 
Experience building interactive data visualizations, strong storytelling skills (e.g. Tableau, Streamlit, Shiny) 
 
Ability to self-start and self-direct work in an unstructured environment, comfortable dealing with ambiguity 
 
Knowledge of accounting principles, financial statements, and financial modeling 
 
Experience with data analytics tools and languages (e.g. R, Python) 
 
Experience building/applying statistical and/or machine learning solutions to solve business problems 
 
Minimum Qualifications 
 
5+ years consulting or financial/business/data analyst experience 
 
BS/MBA in Finance, Accounting, Economics, Business Analytics or BS/MS in STEM or quantitative field (CS, Applied Statistics, Operations Research) 
 
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 . 
 
Pay &amp; 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 $137,900 and $207,300, 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 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.

Retail Finance - Process, Analytics, Reporting and Technology (PART) Analyst

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! Do you love thinking analytically? Are you passionate about using your financial knowledge to navigate complex challenges? Just as our customers find value in Apple products, the Finance group finds value for our customers, Apple, and our shareholders. 
 
As part of the Apple Financial Services (AFS) team, you&rsquo;ll play an integral role developing key sales strategies while preserving our day-to-day financial health. You and your team will support Apple&rsquo;s worldwide growth, both top and bottom line, by applying the same level of innovation toward financial matters as we do toward our products and services. You&rsquo;ll also collaborate with Apple teams across the world to develop more effective investment strategies and risk management. Finance is essential to upholding our global commitment to excellence, and it is directly responsible for shaping the company&rsquo;s future. Join us, and you&rsquo;ll play a meaningful role in continuing Apple&rsquo;s legacy of efficiency and success as an important contributor to AFS around the world! 
 
Description 
 
The AFS Finance and Risk Analyst is a multifaceted position responsible for driving pricing, risk management, and performance analytics for the global AFS team. This role explores all stages of the AFS customer sales cycle to develop global campaigns and drive incremental sales in Education, Enterprise, and Consumer. The role will be responsible for developing and assessing innovative AFS customer offers and programs, managing the AFS portfolio, and expanding the ways of looking at financial performance and risk. This role collaborates heavily with both internal Apple teams and external partners to enhance AFS performance and global business infrastructure. This is a demanding role with the feel and team culture of a startup environment. The successful AFS Finance and Risk Analyst will help expand sales and drive execution of the AFS strategy by providing data-driven insight through creative analytics. 
 
Preferred Qualifications 
 
Strong analytical focus with business, quantitative, and portfolio modeling experience 
 
Experience or strong interest in structuring financial products, ability to effectively understand economic trade-offs and help shape customer conversations 
 
Proven track record of influencing and challenging outcomes to drive results 
 
Excellent verbal and written communication skills with the ability to articulate results of analysis and present complex information to senior leadership. 
 
Big picture thinking with inherent curiosity to understand and own all details 
 
Standout colleague with the desire and ability to collaborate with global business partners 
 
Proficient in Excel and ideally experience with data analytics tools (e.g.,R, Python) and visualization platforms (e.g., Tableau) 
 
Minimum Qualifications 
 
5+ years of experience in sales or commercial finance or related roles 
 
BA/BS in Economics, Mathematics, Finance, or related field 
 
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 . 
 
Pay &amp; 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 $137,900 and $207,300, 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 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.

AFS Finance and Risk Analyst

Explore 49+ Senior financial analyst in Cupertino this April. Find roles across top companies and apply now to boost your career.