Job Description

People here at Apple don’t just create products — they create the kind of wonder that’s revolutionised entire industries. It’s the diversity of those people, their expertise 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.

We are passionate in making our products accessible to as many people as possible through wide reaching and innovative affordability propositions. Across the emerging markets of IMMEA we are passionate about increasing the access to affordability solutions and helping consumers of all walks of life buy their first device or upgrade to the latest.

The role combines strategic planning and operational execution via cross-functional collaboration. It will require the ability to complete complex business analysis, develop and execute affordability programs and strategies, collaborate with the IMMEA central affordability team, build out tools and processes to track consumer affordability propositions, and to be confident and proficient as the face of Apple in discussions with banks and financial institutions as well as carrier and retailer partners.

Key Qualifications

An outstanding track resource of developing consumer finance propositions in banks and non-banking financial institutions.

Deep expertise in understanding commercial value chain of payment schemes across issuing and acquiring businesses.

A track record of crafting and delivering consumer credit propositions like personal loans, durables finance, auto lending programs.

Proven ability to drive bank negotiations by using analysis of asset and liability business.

A consistent track record of delivering channel based consumer finance programs.

Experience in developing credit scorecards and modelling enabling efficient asset book building.

A broad experience of a channel driven sales organisation.

A strong understanding of, and empathy with, the Apple brand and its products.

The ability to articulate a consumer finance strategy in wake of innovate and disruptive forces.

Outstanding attention to detail and program quality are essential for this role.

Strong communication and presentation skills and capability of presenting in a clear and structured way at all levels of an organisation.

Outstanding interpersonal skills and the ability to develop strong working relationships inside and outside of Apple.

Exposure to reward, dedication and co-brand products in a bank preferred.

Expertise in eCommerce and digital lending preferred.

Experience in carrier affordability propositions preferred.

Key Relationships

KSA & UAE leadership team members

KSA & UAE account managers across all route to markets

IMMEA Affordability team

WW business development team

KSA, UAE and MEA Finance team, Sales Planning, and Sales Operations

External prospective partners (Banks, Financing companies, Distributors)

Key Performance Indicators

Quality and depth of collaboration with regional/country management and other central teams.

Development and implementation of Affordability Programs across KSA and UAE.

Achievement of quarterly and annual objectives set by the management teams.

Sharing of standard methodologies across the region.

Quality of management reporting, relationship building and leveraging of resources across the Apple matrix.


•Develop affordability programs for the KSA and UAE markets to support all of Apple’s products across the consumer markets.

•Identify and structure propositions allowing channel partners to use and run these on a regular basis and drive demand for Apple products across KSA and UAE.

•Ensure that the quality of the programs are executed within Apple standards and guidelines.

•Benchmark industry standard methodologies and propose new initiatives and partnerships that help stimulate sales.

•Define market specific priorities and knowledge in order to create standard methodologies and monitoring success of these affordability programs across all routes to market.

Education & Experience

Bachelor required. MBA preferred.

Additional Requirements

Apple is an Equal Employment Opportunity Employer that is committed to inclusion and diversity.

Key skill Required

  • AJAX


  • Automotive Technology President