A

Apple

Designs phones, computers and their operating systems

Business Development Manager - Wallet, Payments and Commerce

Full-TimeUpdated on 10/23/2026
No salary listed
Expert
MBA
Mumbai, Maharashtra, India
In PersonDomestic travel required.
Sales & Account ManagementBusiness Development & Partnerships

About the job

Requirements
  • 9–12 years of work experience in a large payments organization, bank, established fintech, payment network, or allied industry.
  • Deep knowledge of the Indian payments industry and regulatory landscape.
  • Ability to influence stakeholders, sell concepts, drive execution, and negotiate business and technical terms with partners.
  • Track record of quickly learning, building credibility through knowledge and work, and acting as a self-starter in a fast-paced environment while navigating ambiguity.
  • Expertise building business cases around market opportunities and partnerships, including strategy, market segmentation, competitive analysis, and financial analysis.
  • Strong interpersonal skills and ability to develop working relationships inside and outside Apple.
  • Strong analytical skills, including analyzing quantitative and qualitative opportunities and driving performance tracking and analysis.
  • Willingness to travel domestically.
Responsibilities
  • Establish, develop, and grow strong business relationships with payment providers, banks, and international and domestic payment networks.
  • Close commercial and contractual terms with partners in India.
  • Stay apprised of changes in the payments and regulatory landscape to ensure global strategy aligns with local market needs.
  • Monitor implemented solution performance to establish excellent customer service and identify opportunities for partner improvements.
  • Drive engagement of payment solutions while ensuring product and compliance requirements are met.
  • Help drive substantive, measurable change in adoption rate, usage, penetration, and scale.
  • Manage multiple parties and projects from initiation to completion while providing consistent updates and communication to business leadership.
  • Handle strategic commercial negotiations, partnerships, business development, and platform integration of issuers, acquirers, and point-of-sale vendors for Apple Pay offerings in India.
  • Work cross-functionally with technical project manager leads, Apple Pay Engineering, Operations, Privacy, Compliance, Legal, and Product Marketing; work externally with banks, the payment regulator, payment networks, acquirers, merchants, integrators, credential managers, and software and hardware vendors to define and deliver Wallet solutions.
  • Manage all aspects of partner relationships, including early engagement, account and project management, new product and feature introductions, and commercial and contractual matters.
  • Present the Wallet experience and consumer benefits to senior executives, negotiate and close deals, and lead tactical execution to grow the business sustainably.
  • Work with strategic partners to develop best-practice Wallet deployments and make them primary development partners for new Wallet features.
  • Work with Apple product and engineering teams to influence the product roadmap and provide feedback received from partners.
Desired Qualifications
  • MBA from a premier business school with extensive knowledge of NFC payments, UPI, device tokenization, payment networks, point of sale, transit, in-store merchant solutions, and access and identity solutions.
  • Expertise and experience managing large, complex partnerships, ideally spanning multiple markets, with a proven record of building strong partnerships, ideally in the financial services sector.

About the company

Apple designs and sells consumer electronics, from iPhone smartphones and Mac computers to tablets and wearable devices. Its operating systems manage apps and built-in functions for communication and work, while iCloud stores files and synchronizes data across devices. Customers buy additional digital services through subscriptions such as Apple Music and Apple TV, and developers distribute software through the App Store. Apple earns money from hardware sales, subscriptions and digital transactions, selling directly to customers and through retailers and mobile carriers around the world. It was founded in 1976 and has its headquarters in Cupertino, California.

Company Size

10,001+

Company Stage

IPO

Headquarters

Cupertino, California

Founded

1976

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Simplify's Take

What believers are saying

  • Business demand is growing: Apple reported $109.4 billion revenue in the June 2026 quarter, up 16% year over year.
  • Eligible US employees get learning support: Apple reimburses career-related tuition and runs Apple University classes.
  • Services earn richer margins: Apple reported 75.6% services gross margin in the June 2026 quarter, versus 40.1% for products.

What critics are saying

  • Assembly depends on Asian partners: Apple outsources substantially all final hardware assembly, reducing direct control over production.
  • iPhone concentrates demand risk: the product generated 49.6% of Apple revenue in the June 2026 quarter.
  • Student support shifts take evenings: Apple College Advisors typically work three evening shifts and one weekend shift weekly.

What makes Apple unique

  • Its chips link hardware and software: Apple designs M-series processors and developer frameworks tuned to their unified memory.
  • Stores double as service hubs: Apple combines device sales, Genius Bar technical help and in-person learning sessions.
  • It owns a spatial operating system: Apple Vision Pro runs visionOS, controlled through eyes, hands and voice.

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Benefits

  • Health Insurance
  • Dental Insurance
  • 401(k) Retirement Plan
  • 401(k) Company Match
  • Tuition Reimbursement
  • Performance Bonus
  • Relocation Assistance
  • Employee Stock Purchase Plan

Growth & Insights and Company News

6 month growth

0%

1 year growth

0%

2 year growth

-5%
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