EMEIA Credit Analyst

Summary

The Worldwide Finance organisation is a key strategic partner across all of Apple's businesses, and the Credit team sits right at the centre of that mission — protecting the balance sheet while enabling Apple's channel and enterprise partners to grow with us. As Apple's EMEIA business continues to scale across distribution, carrier, retail, and enterprise channels as well as Services the Credit team's judgement directly shapes how confidently and quickly the business can expand into new markets and partnerships, making this a function where sound analysis has an outsized, visible impact. Apple is a place where extraordinary people gather to do their best work. At Apple, 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, a career with Apple might be your ideal job. Just be prepared to dream big! We believe that collaboration is one of our key strengths, and every day we will connect you with your peers and colleagues, at one of the most diverse companies in the world. As an individual, you'll be a key player within the function.

Minimum Qualifications

Bachelor degree required; preference in business with concentrations in accounting, finance and economics Formal credit training from corporate bank, credit rating agency or multinational corporate credit.

Preferred Qualifications

2–5 years of credit and risk analysis experience, preferably within a bank, finance institution or rating agency focused on illiquid credit-related investment analysis. Commercial credit and risk assessment experience, with sound judgement in applying it to real customer situations. Understanding of sovereign and FX risks across emerging and developed EMEIA markets. Strong financial statement analysis skills and a solid grasp of core credit dynamics. Developing negotiation skills, with the ability to balance risk mitigation against stakeholder interests. Working knowledge and familiarity of evaluating risk mitigation instruments such as bank guarantees, standby letters of credit and corporate guarantees, with a willingness to build deeper expertise in their legal and operational mechanics. Comfortable working across functional teams and contributing a clear, well-reasoned Credit perspective on multi-team projects. Clear written and verbal communication skills, able to present credit analysis and recommendations concisely within Apple and to customers' finance teams. Experience analysing telecommunications, distribution, or retail industry segments, a strong plus. Trade credit assessment / collections experience, a plus. SAP systems, Tableau, SQL and an interest in automated AI workflows would be a plus. Intellectually curious, confident, adaptable, with strong time management skills and the ability to work effectively under pressure.

Description

Based in London, this is an opportunity for a highly analytic credit risk specialist to join the EMEIA Credit team, helping ensure robust, commercially sound credit decisions that support the continued growth of Apple's business across its distribution, carrier, and retail partner network in the region.

Responsibilities

Analyse financials and assess the creditworthiness of corporate customers, with specific focus on the telecommunications, distribution, electronic retail, and advertising sectors. Undertake necessary due diligence, including customer interaction, credit screening of potential new customers, and ongoing monitoring of existing customers. Assess credit limit requirements and recommend new limits or changes to limits appropriate to each customer's risk profile. Prepare quarterly portfolio- and customer-level credit reviews. Support the negotiation of collateral with banks, and assist with the issuance, monitoring, and execution of related instruments. Build and maintain relationships with customers' finance and management teams. Build positive working relationships with partners in Sales Finance, Sales, Operations, Global Business Solutions, and other functional teams