Apple Card is currently being rolled out to a select group of people. The company plans to roll out Card broadly throughout the month. Feedback on the product's announcement has been steadily positive, even if the card is merely good for users, but great for Apple.
The card is launching into a very competitive market. It feels like between challenger banks, fintechs, and new bank cards, there are a lot of new choices for consumers. Indeed, loyalty to a consumer's primary credit card has never been higher -- the other side of that is that few are defecting for new cards.
Leadership of Apple Card
We thought timing was good for a look into the team behind Apple Card. Card sits in Internet Services, which includes Apple Pay, Apple Cash, and now Apple Card. Apple is typically very secretive with its employees, keeping a tight lid on who's working on what. Tearsheet compiled a skeleton org chart of the professionals bringing Apple Card to market.
Jennifer Bailey is vice president, internet services, Apple Pay. She oversees efforts for Apple Pay, Apple’s new, transformative category of mobile payments services. She's been at Apple for 16 years and in her current role for 5 years. Previously at Apple, she ran the WW online stores group.
Running marketing for Apple Pay and Apple Card is Bill Rielly. He's been at Apple for almost 10 years with a little stint at Intel in the middle. Earlier in his career, he had experience in digital marketing with JP Morgan Chase.
Jarad Fisher is the program, product and business lead for Apple Card. He's been at Apple for almost five years. Fisher is really a card guy, having spent time at Delta, American Airlines, and Marriott. While at Delta, he managed a team of 25 that generated approximately $2 billion in revenue on an expense base of less than $100 million, through management of co-branded credit card and debit card portfolios and 100+ non-airline SkyMiles partners. Fisher was valedictorian of his class at Cornell.
Baris Cetinok is the senior director of product management and marketing for Apple Pay and Apple Card. Before he started his seven year tenure at Apple, Baris spent time at Amex, Amazon Payments, and Microsoft.
Lucy Zhang is part of the marketing team behind Apple Card. She recently joined Apple after spending seven years at American Express. There, Lucy worked on the Delta co-brand portfolio acquisition and marketing.
Trish Burgess-Curran is part of the program management of Apple Card. She started at Apple in 2015 working on Apple Pay, where she created a program to engage with e-commerce platforms, resulting in hundreds of thousands of Apple Pay enabled merchants at Web launch. She previously worked in business development and partnerships at PayNearMe and Visa.
Rick Krakowski works in Apple Card marketing now at Apple, after working as a product manager for Apple Pay for five years. He was previously at American Express for nearly 10 years, where he lead consumer platform product development, including the wallet functionality roadmap.
Grace Yeh is on the Apple Card marketing team. She also hails from American Express, where she worked for seven years. Her last role at Amex was as a director of US consumer services for loyalty marketing. She oversaw marketing there across product, travel, and entertainment experiences.