FinTech Course

Finance Service of Rakuten Group

Rakuten’s FinTech business covers a wide range of services, including credit cards, Rakuten Edy e-money, Rakuten Pay mobile payment service, banking, securities and insurance.
This course is designed for those who wish to develop a long-term career in the FinTech business.

Rakuten’s FinTech business aims to continuously provide new financial services by leveraging the strengths of individuals across the Rakuten Group. We look forward to receiving your application!

Payment

“Empowering people and society through payment innovations.”

The Payment Business offers services centered on the payment and marketing fields within Rakuten Group, which is committed to being a "Global Innovation Company”.

Our services include Rakuten Pay, Rakuten Point Card, Rakuten Cash, Rakuten Edy, and Rakuten Check. We are empowering people and society with a lineup of services tailored to each customer's needs.

Under the theme of "Friendly, convenient, and secure payment services", we aim to contribute to bettering people's daily lives by providing products that are easy to use, while employing our cutting-edge technology.
- Strategic Planning
  
  To further enhance the value of the Payment business, we plan and promote cross-service business strategies and develop strategies aimed to create synergies with other Rakuten Group services.
- Consulting Sales
  
  We provide consulting and sales promotion support such as campaign planning and proposals based on purchase data analysis and market analysis to promote further service usage at partner companies (existing member stores).
- New development Sales
  
  We propose solutions and develop strategies to promote sales and solve problems of potential customers in order to further expand the number of client stores who provide our services to their customers.
- Marketing
  
  We plan, draft, and promote attractive campaigns, and study and execute promotional measures to both acquire new users, and promote higher service utilization by existing users. We also plan data analysis that contributes to increasing the number of users and ARPU of the service.
- Creative Web Design
  
  For higher utilization of the services, we plan and implement UI/UX improvements, and plan, implement, and manage service contents and promotional media.
- Product Planning
  
  Planning, operation, and project management of the services’ products (payment devices, apps for payment, and online payment services). We also manage and promote planning for stable operation and product quality improvement.
Credit Card

This business is the driving force behind the Rakuten Group’s FinTech business.
We have been No.1 in customer satisfaction for 14 consecutive years*. With annual card shopping transactions exceeding 20 trillion yen for most recent 12 months (August 2022 to July 2023), we have been achieving substantially higher growth rates than other companies in the industry.
*FY2021 Japanese Customer Satisfaction Index Survey, Credit Card Industry
- Marketing (New Customer Acquisition)
  
  In order to attract new cardholders, this role involves planning and promoting attractive campaigns, designing campaign pages, and strategizing and producing TV commercials and other advertising.
- Marketing (Promotion Toward Existing Cardholders)
  
  This role involves planning, drafting, and promoting campaigns for existing cardholders, including the promotion of shopping, revolving credit, caching, Rakuten Edy, etc., in a way that is tailored to various customer needs.
- Corporate Sales
  
  The main task of this role is to negotiate and secure agreements with potential retailers so as to allow the use of Rakuten cards at their stores. The role also includes securing agreements for the use of “Rakuten Edy” and promoting other Rakuten Group services.
- Planning
  
  This role involves analyzing card member attributes, card usage, campaign history, etc., and planning, drafting, and promoting new Rakuten Card products and services that meet customer needs.
- Web Design
  
  This role involves creating and managing web content such as campaign pages (banners, etc.) and members-only sites for recruiting card members, as well as distributing e-newsletters to promote the use of our services to our members.
- Overseas Business Development
  
  This role involves developing and promoting new card and payment businesses, M&As, etc., mainly in Taiwan, as well as promoting the acquisition of other financial licenses overseas.
Securities

Launched in 1999 as Japan’s first online brokerage service, the number of new accounts opened has been ranking No. 1 in the industry for four consecutive years since 2018. The number of total accounts reached 8.359 million in September 2022, with the value of investment trust exceeding 100 billion yen in August 2022 for the first time in the history of Rakuten Securities.

Under the mission “Innovating asset formation” Rakuten provides the highest level of trading tools, including its original trading tool “MARKETSPEED®II” and smartphone app　“iSPEED®.”

At the same time, we are also actively involved in supporting personal asset building, further publicizing information through our owned media “Toshiru” and YouTube videos, and promoting using the latest fintech technologies such as robo-advisors.

In addition, we provide financial services in collaboration with “Rakuten Bank”, “Rakuten Card” and “Rakuten Cash”, promote the use of “Rakuten Points” for point investments, expand the number of points that can be earned through investments, and effectively utilize the point program, thereby providing services and products that leverage the strengths of the Rakuten Group.
- Marketing
  
  This role involves analyzing data toward acquiring individual customers, planning campaign promotions, implementing point programs across the Rakuten Group, and planning various financial services like Rakuten’s “Money Bridge.”
  In addition, we develop apps and websites that serve as trading tools, as well as user interface aimed at the enhancement of customer satisfaction from the perspective of customer experience.
- Product & Service Planning
  
  This role involves sales promotion and service planning (planning and promotion of new products/services) for various financial products (domestic stocks, foreign stocks, futures/options, FX, etc.) through the internet.
- Asset Formation Service Planning
  
  This role involves product and service planning and promotional activities for long-term asset formation, including investment trusts, defined contribution pension plans, and wrap services using robo-advisor functions. We also support the expansion of the business foundation of independent financial advisors (IFAs), who are experts in providing asset management advice to clients from an independent and neutral standpoint.
- System Planning and Development
  
  This role involves work related to the design and implementation of applications, and developing systems that can handle new channels, such as smartphones and tablets. We are also engaged in planning and constructing the infrastructure to ensure stable system operation.
- Customer Service
  
  This role involves handling communication with customers via telephone, the web, email, etc., to respond to and support various customer inquiries and to enhance customer satisfaction.
- Operation
  
  This role involves ensuring smooth operations from opening accounts for customers to receiving trade orders and processing contracts.
- Compliance
  
  This role involves handling compliance-related matters for the company, including compliance, legal, risk management, quality management, and information security.
- FinTech
  
  This role involves handling services of latest technology such as Big Data/AI、block chain, and robo-advisor, and planning new services by promoting collaboration within the Rakuten Group.
Insurance

Rakuten Insurance Group is an exceptionally highly profitable business within Rakuten Group, consisting of a life insurance business to support customers' life plans, general insurance business to prepare for disasters and accidents, and insurance agency businesses to sell these insurance products.

In the insurance industry, which has a long history of evolution, Rakuten Insurance Group is actively leveraging AI, big data, and the synergies of the Rakuten ecosystem. The offering of Rakuten points as benefits for 1% of the insurance fee, and also as a method of payment of insurance fees *1 are unique features of Rakuten Insurance. We are the first in Japan*2 to grant points for purchasing car and fire insurance.

Rakuten Insurance Group is expanding its business in the insurance field by leveraging the strengths of the Rakuten ecosystem while aiming to "improve the quality of customer service.
- Rakuten Life Insurance
  
  Rakuten Life Insurance offers a wide range of insurance products, including term life insurance, medical insurance, cancer insurance, comprehensive insurance for young people, and group credit life insurance for home loans.
  
  The company is also actively promoting the use of AI, and is building a system that uses AI to predict future hospitalization risks and automate underwriting assessments (decisions on whether to accept or reject insurance contracts), as well as developing sales support functions using an AI assistant (ARIA). For ARIA in particular, we were one of the first Rakuten Insurance Group companies to introduce ChatGPT API and are focusing on generating natural sentences and conversations to solve agents' problems and promote sales activities.
  
  In addition, Rakuten Life Insurance Well Smile, the industry's first medical insurance product that reimburses Rakuten points based on health status, was developed in collaboration with Rakuten Group's healthcare business. This is just one example of our commitment on developing new products that leverage Rakuten Group synergies.
- Rakuten General Insurance
  
  Rakuten General Insurance offers a full lineup of products closely related to people's lives, including automobile insurance, fire insurance, travel and golf insurance, and pet insurance, and delivers innovative data-driven services to the world.
  
  In fire insurance, the company matched the location of buildings with hazard map information from the Ministry of Land, Infrastructure, Transport and Tourism, and for the first time in Japan, set premiums according to the risk of water damage in the location of the building.
  
  For automobile insurance, we have introduced discounts for Rakuten Diamond members by analyzing Rakuten members' data, such as usage of Rakuten ecosystem services.
  We aim to improve customer satisfaction by leveraging various data while creating synergy with various services in the Rakuten ecosystem.
- Rakuten Insurance Planning
  
  Rakuten Insurance Planning is the company that manages "Rakuten Hoken no Sogo Madoguchi" (translates to; Insurance consultation counter) and is responsible for contact center operations, sales, and marketing for Rakuten Life Insurance, Rakuten General Insurance, and Rakuten Pet Insurance.
  
  As an insurance agency of Rakuten Insurance Group, we provide a single point of contact for consultation on Rakuten Insurance Group's products without boundaries of life insurance and non-life insurance, and offers a one-stop service to complete all procedures.
  In addition, to improve the quality of customer service, the center operates as a next generation contact center that is available 24 hours a day, 365 days a year, utilizing AI operators and chatbots.
  
  In marketing, we aim to acquire more customers by capitalizing on Rakuten Group resources including the vast amount of data on Rakuten service users and synergies created through collaboration with Rakuten Card, Rakuten Mobile, and other Rakuten Group companies.
- *1 Certain conditions apply to the awarding and use of points. Please click here for details.
  
  *2 According to Rakuten Insurance Holdings, Inc.

Work Conditions

Eligible Applicants

Able to join us in April 2025. (expected to graduate from any university or graduate school by March 31, 2025)

*Either new or graduates are eligible. Those with work experience of less than 3 years are also accepted.
Possess Japanese skills of business level or higher

Job Description

・Immediately after hiring
General business (training) in Group Human Resources Supervisory Department

・Scope of Change
All assignments and duties as stipulated by the company based on the letter of appointment etc.
(Employees may be transferred in accordance with the secondment rules, and in such cases, duties will be assigned by the seconded company.)

Work Location

・Immediately after hiring
Head Office in Tokyo (Rakuten Crimson House, 1-14-1, Tamagawa, Setagaya-ku, Tokyo) or other branches

・Scope of Change
There is a possibility of being transferred to other locations throughout Japan and overseas.

*In cases where work from home (WFH) is permitted, employees can work from locations approved by the company.

*Smoking indoors at Rakuten Crimson House is prohibited as part of passive smoking countermeasures.
(This may vary depending on working location.)

Working Hours

Standard work hours: 9:00-17:30
Fixed working hours are 7.5 hours with a 1-hour break.

*Work hours on days with a Rakuten Group morning meeting are from 8:00-16:30.

*The discretionary labor system may be applied to professional work and management-related work.

*Some departments may offer flextime.
Core hours: 11:00-15:00 (8:00-12:00 on days when morning meetings are held)

Days off / 2 days off per week (Saturday, Sunday), national holidays
Vacation / Summer vacation, New Year’s holiday, annual paid vacation, special leave, etc.

Salary

[New graduate (General Business Track)] Undergraduate: 300,000 yen (monthly salary); Graduate: 310,000 yen (monthly salary)
Includes a fixed overtime pay of 40 hours per month.
Additional payment is available for overtime work that exceeds 40 hours per month.
(Example breakdown of 300,000 yen (monthly salary): base salary 227,849 yen + fixed overtime of 72,151 yen for 40 hours)

Pay Raise

Employees are evaluated in June and December with bonuses based on company performance and individual evaluations.

Bonus

Employees are evaluated in June and December with bonuses based on company performance and individual evaluations.

Insurance

Employee’s pension insurance, health insurance, workers’ accident compensation insurance, unemployment insurance, etc.

Benefits

Cafeteria (free breakfast, lunch, and dinner), gym (requires a fee), etc.See details here

Other Benefits

Commuting allowance, employee stock ownership, stock options, retirement benefits, etc.

Interview/Selection Process

Personal Page Registration

Application Form Submission

Web Test

Online Interview*1
(multiple times)

Offer Notification*2

*1 The interview format may change depending on the situation. In case of course-based recruitment, the selection steps may differ.
*2 After receiving an offer, the prospective employee must obtain a TOEIC score of 800 before joining the company.

FAQ・Inquiries

Here are some frequently asked questions.

Frequently Asked Questions

PEOPLE

Marketing
Marketing & CWD Department

Nao

Joined in 2019

Strategy Planning
Rakuten Card Strategy Department

Keiji

Joined in 2015

Marketing
FinTech Strategy Division

Micchy

Joined in 2012

Corporate Planning
Planning Division

Nanae