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.”

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 will be dedicated to pursuing the best possible products for users, leading each project with autonomy in decision-making regarding functionalities. 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 32.65 million in August 2025. Shopping transaction volume also exceeded 24 trillion yen in 2024.
- 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. Additionally, 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

Rakuten Insurance Group provides insurance services that support each customer's peace of mind and create their future, operating within the boundless potential of the Rakuten Ecosystem. Leveraging deep integration with Rakuten Group’s diverse services, we pursue innovation beyond conventional boundaries and generate new value in insurance.

As a member of the Rakuten Group, we are actively committed to offering insurance services that maximize these powerful synergies.

In an era of increasingly diverse lifestyles and needs, our insurance group acts as one, aiming to deliver consistently optimal solutions through swift, well‑grounded decision‑making and a robust governance framework.
- 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.
  
  Rakuten Life is actively promoting the utilization of AI.
  For instance, we have built systems that predict future hospitalization risk and automate underwriting decisions, streamlining operations.
  
  We also leverage Rakuten data and AI solutions to deliver optimized digital advertising within the Rakuten Ecosystem, maximizing the synergies of the Rakuten Group.
- Rakuten General Insurance
  
  Rakuten General Insurance offers a full lineup of products closely related to people's lives, including automobile 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.
  
  We are also actively embracing advanced technologies, including deploying drones for high‑elevation damage assessments and introducing AI‑powered automated voice systems for claims intake in 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 "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-driven 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.
  Furthermore, we offer a "Next-Generation Contact Center" that utilizes AI operators and chatbots, allowing customers to access services 24/7 without waiting.

Work Conditions

Eligible Applicants

Able to join us in April 2027. (expected to graduate from a domestic or overseas university or graduate school by March 31, 2027)
*New graduates and recent graduates are both eligible. Applicants with less than three years of work experience are accepted.
Applicants must have business-level or higher proficiency in Japanese.

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

Working hours: 7.5 hours per day (9:00–17:30) with a 1-hour break.

On days with a Rakuten Group morning meeting: 8:00–16:30 with a 1-hour break.

Flextime system : Start and end times are determined by employees; the above fixed hours do not apply.

*The company may exclude flextime when deemed inappropriate for business operations.

・Flexible time: 7:00–11:00 and 15:00–20:00 / Core time: 11:00–15:00.

・On days with a Rakuten Group morning meeting: Flexible time 7:00–8:00 and 12:00–20:00 / Core time 8:00–12:00

・Break: When daily working hours exceed 6 hours, a 1-hour break must be taken during core time.

*Flextime does not apply during the new graduate training period.

*Overtime work, holiday work, and staggered working hours may be instructed or approved.

*When work is performed on a holiday, a substitute holiday will, in principle, be designated within the same week.

Days off / Leave / Leaves of absence

<Days off>
Saturdays, Sundays, national holidays, and year-end/New Year holidays (Dec 30–Jan 3).

<Leave>
Annual paid leave, special leave, leave related to measures for maternal health management, menstrual leave, and summer leave (up to 3 days between July and September).

<Leaves of absence>
Prenatal and postnatal leave, childcare leave, and family-care leave.

Salary

Monthly salary: JPY 350,000 for bachelor’s degree holders; JPY 360,000 for master’s degree holders.
Salaries include a fixed overtime allowance for 40 hours per month. Overtime in excess of 40 hours is paid separately.
Example breakdown (JPY 350,000): Base salary JPY 265,823 + fixed overtime allowance (40 hrs) JPY 84,177.

Pay Raise

We conduct salary reviews in January and July based on performance evaluations.

Bonus

Bonuses are paid in June and December based on company performance and individual performance.

Insurance

Health Insurance, Employees’ Pension Insurance, Long-Term Care Insurance, Employment Insurance, and Workers’ Accident Compensation Insurance.

Benefits

Cafeteria (breakfast, lunch, and dinner are generally free of charge), gym (paid), Company dormitory (admission subject to certain eligibility criteria), etc. See details here

Other Benefits

Commuting allowance (up to JPY 50,000 per month), employee shareholding plan, stock options, retirement benefit plan, etc.

Interview/Selection Process

Personal Page Registration

・Application Form Submission
・Web Test
・Academic Records Submission*1

Online Interview*1~*3
(2–3 months)

Offer Notification*4
(No earlier than April)

*1 Academic Records may be reviewed during the selection process.
*2 If your TOEIC score is below 800, you may be asked to take the TOEIC test during the selection process.
*3 The interview format may change depending on circumstances. For course-based recruitment, the selection steps may vary.
*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.