Technical Product Manager, WPC - Issuer Products

Technical Product Manager, WPC - Issuer Products

Cupertino, California, United States Software and Services

This role will help scale and advance the Apple Pay ecosystem in the US by working with leading issuers, payment networks, PSPs, payment processors, FinTechs, and channel partners to deliver seamless Apple Pay experiences and scale issuer product features across the market. We're seeking a payments product leader to drive the technical growth of Apple Pay issuer products in the US. You will provide deep subject-matter expertise during initial engagements with new partners, define and execute strategies to enable and scale issuer features, and lead the implementation of new features with existing strategic partners. You will own the end-to-end issuer product experience — ensuring every transaction is reliable, secure, and performant across the payment stack.

Description

In this role, you will collaborate closely with BD, Product, Developer Relations, and engineering teams to scale Apple Pay issuer products across leading issuers in the US. You will drive partner integrations, design scalable technical solutions, and communicate clearly with internal and external stakeholders across the US payments landscape (including issuing banks and card networks). You will work hands-on with a variety of ecosystem partners such as issuers, strategic merchants, PSPs, payment processors, networks, FinTechs, POS/acquirer vendors, and labs to resolve issues, enable new capabilities, and maintain strong technical relationships that directly impact business outcomes. You will lead multiple Apple Pay projects from conception through execution, ensuring alignment across partners and internal teams, and partner with the BD team to drive enablement, acceptance, and adoption at scale. You will also evangelize Apple Pay technology, drive Wallet adoption by solving customer problems, and stay ahead of industry standards and technology trends.

Responsibilities

• Own the enablement and technical implementation of Apple Pay issuer products across issuers, payment networks, and FinTechs.
• Partner with the BD team to drive adoption and scale issuer features across issuers and merchants.
• Define technical requirements, integration and testing plans, and launch milestones in collaboration with cross‑functional teams.
• Lead partner onboarding and implementations end‑to‑end, resolving technical blockers and driving execution across internal teams.
• Provide ongoing technical support and feature enablement for existing partners to increase conversion and customer usage.
• Translate partner needs into clear technical requirements and product improvements, leveraging data and recurring feedback.
• Develop and refine documentation, APIs/SDKs, and tooling to simplify integrations and reduce partner onboarding friction.
• Serve as SME on tokenization, provisioning, network tokenization, issuer product flows, and Apple Pay flows to guide troubleshooting and partner architecture reviews.
• Monitor industry ecosystem trends (tap-to-pay, token provisioning, network changes, and instant payments) and advise internal teams on market‑ready enhancements.

Minimum Qualifications

• 8+ years of experience as a payments product/program manager, ideally within fintech or core payment technologies.
• Experience in the payments industry and digital wallets, including experience working with issuers on payment product features.
• Demonstrated experience in the digital wallet ecosystem, payment networks, PSPs, and payment processors.
• Ability to lead complex initiatives with hands‑on technical expertise across the payment ecosystem, including NFC/contactless payments, EMV, payment rails, gateways, PSPs, acquirers, and payment terminals.
• Proven ability to communicate effectively with partners and stakeholders at all levels.
• Strong analytical and critical thinking skills, with the ability to navigate ambiguity and make sound decisions.

Preferred Qualifications

• Direct experience working with external partners on cross‑channel initiatives and new technologies.
• Deep understanding of Network Tokenization standards, NFC technologies, EMV contactless, 3DS, ISO 8583/ISO 20022, RTP, WSDL, and mobile technology.
• Experience with US card networks, instant payment rails (e.g., FedNow, RTP).
• Experience with issuer product features such as installment payments, card rewards, and token‑based credential products.
• Experience in payment processing, mobile payments, issuer apps, e‑commerce, and the NFC ecosystem and applications.
• Experience in issuer or payment ecosystem authentication methods, fraud prevention and detection, and industry best practices.
• Experience with alternate payment methods, Buy Now Pay Later (BNPL), or emerging payment types.

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 $144,600 and $263,800, 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.

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

Apple accepts applications to this posting on an ongoing basis.