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!

  • Rakuten Payment
  • Rakuten Card
  • Rakuten 楽天生命
  • Payment
    “Empowering people and society through payment innovations.”

    Rakuten Payment offers services centered on the payment and marketing fields within the 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.
    Under the theme of "Friendly, convenient, and secure payment services," we provide products that prioritize ease of use for our customers while employing cutting-edge technology.
    We offer innovative services that align with the rapidly growing trend of cashless transactions, aiming to enhance the daily lives of all people through new payment experiences that "move everyone's hearts," tailored to our customers' lifestyles and usage scenarios.

    • Sales

      Rakuten Payment offers its payment solutions not only to major domestic companies but also to small and medium-sized enterprises (SMEs) and businesses with both online and physical stores, including those in regional areas. Alongside the expansion of cashless payment adoption in Japan, we are also addressing the management challenges faced by these businesses.

    • Marketing

      Leveraging the synergy of the Rakuten Group, we implement various measures to acquire new users and expand transaction volumes. We conduct cross-functional marketing and creative production across our e-commerce, mobile, and fintech businesses. Additionally, we aim to enhance brand recognition and cultivate loyal users by creating exposure opportunities in the media.

    • Product

      As a Product Manager, you can lead various projects with the discretion to make decisions regarding functionalities, all while pursuing the best products for our users. This involves making development decisions based on business strategies and revenue forecasts in collaboration with upper management, working with the UI/UX team to create smartphone apps, and planning marketing strategies with marketers for post-release features. You will work closely with many departments to enhance product usability and drive project progress.

    • Strategy

      While keeping abreast of the constantly evolving cashless market, we identify and address business-specific and management challenges, executing business strategies and constructing business models to solve them. In this process, we involve many stakeholders, providing direction and guidance for the entire company, and supporting the sustainable growth of the business.

    • Operation

      As the department responsible for constructing and promoting the business processes of Rakuten Payment's diverse cashless services, we continuously provide high-quality operational services. To achieve this, we utilize the latest methods such as AI, DX (Digital Transformation), and RPA (Robotic Process Automation) to drive ongoing business process improvements.

    • System

      We handle everything from planning system services related to payment services, to planning and implementing UI/UX, system design, coding, testing, and operations. As our services expand, we plan, build, implement, and operate very large-scale systems, supporting the foundation of our products. Additionally, by directly listening to customer feedback, we continuously improve our services.

    • Corporate

      In the ever-evolving fintech industry, it is crucial to timely grasp the latest trends and foster the growth of both people and organizations. We support the foundation of the company by applying specialized and multifaceted knowledge and experience to address the various challenges that come with the company's growth.

  • Credit Card

    This business is the driving force behind Rakuten Group’s FinTech business.
    Since launching in July 2005, Rakuten Card has been actively working to popularize cashless payments both inside and outside of Rakuten Group, steadily increasing the number of cards issued and reaching 31.44 million in September 2024. Shopping transaction volume also exceeded 21.1 trillion yen in 2023, up 16.4% from the previous year.

    • Marketing Planning/Improvement

      We plan, implement and develop media strategies, web marketing, and various campaigns to increase memberships.

    • Member Analysis

      We devise and improve measures to boost our credit card shopping transaction volume by encouraging existing members to use our cards and increase their spending.

    • Product Development

      We plan, draft, and develop appealing new products and services to acquire new members.

    • Corporate Sales

      We promote using Rakuten Card’s payment solutions to major domestic companies, small and medium-sized businesses with online and physical stores, and companies operating in regional areas. In addition, by leveraging Rakuten Group’s synergy, we offer a variety of cross-company payment services, such as e-money and QR code payments.

    • Planning

      This role involves analyzing member attributes, card usage, campaign history, etc., and planning, drafting, and promoting new Rakuten Card products and services that meet our customer's needs.

    • Creative Web Design

      We create and design the UI and UX for our services, as well as directing, designing and producing promotions.

  • Insurance

    At Rakuten Insurance Group, we aim to offer our customers the best products, services, and convenience by leveraging Rakuten's strong brand recognition and advanced technology. We are committed to innovating in the insurance sector while maintaining a focus on customer needs and societal benefits.

    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's mission is to provide peace of mind and protection based on the principle of mutual aid, which is the essence of the insurance business. Our group comprises life insurance supporting customers' life plans, general insurance preparing for disasters and accidents, and insurance agency services distributing these products. Within Rakuten Group, we play a crucial role in delivering services with high public value.

    • 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 predict future hospitalization risks using AI and automate insurance underwriting assessments (decisions on whether to approve insurance contracts) to improve operational efficiency. Additionally, we are deploying web marketing within the Rakuten ecosystem, utilizing Rakuten data and AI solutions to deliver optimal advertisements to our customers.

      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.

      For automobile insurance, we have introduced discounts for Rakuten Diamond members by analyzing Rakuten members' data, such as usage of Rakuten ecosystem services. In addition, we are actively promoting the use of advanced technologies, such as the use of drones for high-altitude damage assessment and the introduction of AI automated voice for accident reception in fire and personal accident insurance.
      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 serves as the "Rakuten Hoken-no Sogo Madoguchi" responsible for web marketing, sales functions, and contact center operations within the Rakuten Insurance Group.

      In terms of web marketing and sales, we sell Rakuten Insurance Group products to Rakuten members through the "Rakuten Hoken-no Sogo Madoguchi" website. Additionally, we engage in the sale of embedded insurance products through synergies with various Rakuten Group businesses and conduct data marketing utilizing diverse data from Rakuten members. We also operate an insurance comparison site that handles products outside the Rakuten Insurance Group.

      In our contact center, we provide one-stop services for policyholders of Rakuten Life Insurance and Rakuten General Insurance without any barriers. Additionally, we offer a "Next-Generation Contact Center" that utilizes AI operators and chatbots, allowing customers to access services 24/7 without waiting.

    • *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 2026. (expected to graduate from any university or graduate school by March 31, 2026)
    *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, New Year’s holiday
Vacation / Summer vacation, annual paid vacation, special leave, etc.

Salary

[New graduate] Undergraduate: 310,000 yen (monthly salary);
Graduate: 320,000 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 310,000 yen (monthly salary): base salary 235,444 yen + fixed overtime of 74,556 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

01

Personal Page Registration

02

Application Form Submission

03

Web Test

04

Online Interview*1~*3

05

Offer Notification*4

*1 The interview format may change depending on circumstances. For course-based recruitment, the selection steps may vary.
*2 If your TOEIC score is below 800, you may be asked to take the TOEIC test during the selection process.
*3 Academic records may be reviewed during the selection process; however, this will not impact the selection outcome.
*4 Prospective employees must obtain a TOEIC score of 800 (or an equivalent qualification) before joining the company. We recommend starting preparations early to meet this requirement.

FAQ・Inquiries

Here are some frequently asked questions.

Frequently Asked Questions

RECRUITING INFORMATION

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For those who want to deepen their understanding of the entire Rakuten Group and aim for versatile career development.

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  • Corporate Specialty Hiring Track
  • FinTech Specialty Hiring Track
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For those who aspire to become world-class engineers.

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  • Data Scientist / Researcher
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  • Information Security / Privacy Governance Specialist
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  • Applications Engineer
  • Infrastructure Engineer
  • Data Scientist / Researcher
  • Security Engineer
  • Information Security / Privacy Governance Specialist
  • Technology Management
  • Product Management
  • Development Support(Q&A, etc.)