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

    This business is responsible for promoting Rakuten’s “cashless payments,” a payment method garnering increasing attention around the world.

    Through high-value-added payment services, we aim to encourage a cashless culture in Japan and create a lively, connected society where users, corporate partners, communities, and society can empower each other.

    • Edy Business

      “Rakuten Edy” is Japan’s number one e-money service (with a total of 152.2 million cards issued*). Rakuten Edy promotes cashless payments at supermarkets, restaurants, drugstores, and a variety of other stores nationwide. We are developing this business with new services and usage scenarios in mind, such as the implementation of employee cafeterias and collaboration with local governments, and we aim to further enhance the satisfaction of users and corporate partners by creating synergy across the services of the Rakuten Group.
      *As of September 1, 2022

    • Total Solution Business

      Our mission is to provide an environment where Rakuten Points can be used and accumulated at retail stores operated by our corporate partners through the Rakuten Point Card and Rakuten Point Card App, a common point system, and payment services Rakuten Pay and Rakuten Edy. In addition to expanding our retailer network, we support the businesses of our corporate partners by addressing new demands and proposing comprehensive services using Rakuten Group’s assets through marketing measures aimed at reciprocal customer transfer between the internet and the real world.

    • Rakuten Pay Business

      “Rakuten Pay (mobile payment)” is a mobile app payment service that allows Rakuten members to easily link their registered credit cards and Rakuten Bank accounts for use. In addition, we are promoting the introduction of cashless payment, which is rapidly expanding in Japan by making the most of the Rakuten Group’s ecosystem, including introducing compatible terminals to corporate partners who are considering introducing cashless payment methods, such as credit cards, electronic money, and code payment.

  • Credit Card

    This business is the driving force behind the Rakuten Group’s FinTech business.

    We have been No.1 in customer satisfaction for 13 consecutive years* and have achieved higher growth rates than other credit card companies, with annual card shopping transactions exceeding 14 trillion yen in FY2021.
    *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 the U.S. and 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’s insurance businesses are provided by the Rakuten Insurance Group, which consists of life insurance business, non-life insurance business including pet insurance, and insurance agency business.

    The Rakuten Insurance Group actively promotes the use of technology. For example, we are developing the automation of insurance underwriting assessment and the sales support function of a virtual agent using AI. We have also launched Japan’s first fire insurance segmenting the risk of flood disaster using geolocation data.

    In addition, at “Rakuten Insurance Consultation Window,” we aim to provide the ultimate one-stop service for Rakuten users without being bound the existing frameworks of life insurance, non-life insurance and pet insurance.
    We are also developing embedded insurance and other products by collaborating with various services in the Rakuten ecosystem. We are in the process of expanding our businesses by utilizing the strengths of Rakuten Group, such as the shared ID, Rakuten Points and big data.

    • Rakuten Life Insurance

      Rakuten Life Insurance is one of the core businesses of Rakuten’s insurance group. It offers a wide range of products, including term life insurance, medical insurance, cancer insurance, comprehensive insurance for younger generations, and group credit life insurance for housing loans. By maximizing the strengths of the Rakuten Group and developing easy-to-understand, innovative services, we aim to closely support our customers and earn their trust.

    • Rakuten General Insurance

      Rakuten Insurance aims to become a new type of non-life insurance company by combining traditional non-life insurances, such as automobile and fire insurances, with innovative internet services. By utilizing data science and other technologies, we deliver innovative non-life insurance and services.

    • Rakuten Insurance Planning

      This company operates the “Rakuten Insurance Consultation Window” and acts as the point of contact and handler of sales and marketing for Rakuten Life Insurance, Rakuten General Insurance, and Rakuten Pet Insurance. Rakuten Insurance Planning provides a one-stop service for inquiries about Rakuten Insurance Group products, changes of address, etc.

Work Conditions

Eligible Applicants

  • Able to join us in April 2024. (expected to graduate from any university or graduate school by March 31,2024)
    *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

Work Location

After completing the initial training, you will work at the office of whichever department you have been assigned to, which could be at the Tokyo Headquarters, domestic branches, or overseas branches.

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.


[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.


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


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


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提出


Web Test


Online Interview*
(multiple times)


Offer Notification

*The interview format may change depending on the situation. In case of course-based recruitment, the selection steps may differ.


Here are some frequently asked questions.

Frequently Asked Questions


Business Positions

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

  • Comprehensive Business Specialty Hiring Track
  • Corporate Specialty Hiring Track
  • FinTech Specialty Hiring Track
  • Design Specialty Hiring Track
  • Marketing Specialty Hiring Track
  • Comprehensive Business Specialty Hiring Track
  • Corporate Specialty Hiring Track
  • FinTech Specialty Hiring Track
  • Design Specialty Hiring Track
  • Marketing Specialty Hiring Track

Engineer Positions

For those who aspire to become world-class engineers.

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