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Pabba is an expert in assessing credit and risk. He worked for Capital One prior to Apple, where he specialised in credit card authorizations.
Goldman Sachs' consumer division, which manages the financing and issuance aspects of Apple Card, has seen a succession of departures in recent years.
Defections from Apple's side, though, have been less noticeable. The tech company wants to make the iPhone more indispensable to its users with the Apple Card, not to increase money through sound lending choices. The iPhone is mostly used to access and manage the card.