Lead Backend Engineer (Account Aggregation Division)
- Tokyo
- Partial Remote
- Full-time
- January 9, 2026
Overview
At Money Forward, we provide a wide range of services, including the automated personal financial management service "Money Forward ME" and the business cloud suite "Money Forward Cloud," which are used by a vast number of users. At the core of these services is our "Account Aggregation" data integration platform, which connects with over 2,500 financial institutions, including banks, credit cards, and securities firms.
The Account Aggregation Division maintains and operates this massive platform daily, ensuring a stable data supply to each of our products. While our primary mission has been to provide a stable supply to internal products, we are now at a major turning point where we must significantly evolve our data platform.
To achieve this transformation, we will leverage cutting-edge technologies, including AI, to drastically improve our existing development and maintenance processes. We are looking for a leader who will become a core member of the organization, driving process improvements while handling maintenance and operation tasks.
Responsibilities and Duties
Mission of the Account Aggregation Division
From events to data >> From data to insight >> Move your life forward
"Spending money," "growing assets," "selling products," and "receiving receipts"—the movements of money in our daily lives are vast and varied. Our mission is to acquire data that reflects these financial movements and provide value-added information to our users.
Expected Roles
- Development and Maintenance Process Improvement: Gain a deep understanding of the field through hands-on development, and improve existing development and maintenance processes by leveraging AI and other technologies.
- Team Building: Share organizational policies with your supervisor to build consensus on the team's direction, and autonomously lead a team of approximately 3 to 5 members.
- Project Management: Plan projects for adding new connections and maintaining existing systems (including web scraping and API connections), and drive them forward reliably while managing risks.
Rewards and Growth Opportunities
- Take charge of the core technologies supporting Money Forward's major products and feel the direct impact of your work on over 10 million users.
- Access vast and diverse user data to conceptualize and design ideal data structures.
- Deepen your understanding of financial data and gain extensive knowledge in data policy development and project management.
- Lead both domestic and international engineers, gaining team management experience in a global environment.
- Implement operational efficiencies and process reforms using AI at a practical level.
Required Skills and Experience
- 5+ years of experience in server-side (backend) development using Java.
- Experience developing consumer-facing services for a large-scale, general user base.
- Hands-on experience across the entire software development lifecycle (SDLC), from requirements definition and design to coding, testing, and operations.
- Experience leading a team of 3 or more members.
- Experience in conducting code reviews as part of professional duties.
Preferred Skills and Experience
- Experience leading a team of 5 or more members and mentoring team members.
- Experience in operational improvement and automation for large-scale systems.
- Experience in negotiation and coordination with internal and external stakeholders.
- Experience in utilizing Generative AI in business operations.
- Basic knowledge of financial sectors, including banking, credit cards, and securities.
- Experience in AI development or using AI tools to improve development processes.
Language Requirements
- Japanese: Business foundation level (JLPT N2 equivalent or higher)
- English: Business foundation level (TOEIC 700 equivalent or higher)
- Our engineering organization is increasingly global; therefore, as a general rule, all technical communication is conducted in English.
- Ability to smoothly facilitate and lead meetings with small groups.
- Ability to deepen discussions by reconciling differing opinions and aligning perspectives.
Technology Stack & Tools
- Web Server-Side: Java, Kotlin
- Database & Infrastructure: MySQL, Sakura, AWS, Docker, Redis
- CI/CD & Monitoring: Jenkins, ArgoCD, Grafana, Kibana, Rollbar
- Development: IntelliJ IDEA, Eclipse, Cursor, GitHub
- AI Tools: Gemini, Notion AI, Claude Code, GitHub Copilot (Many other AI tools are available upon request)
Work Environment
At Money Forward, we provide an environment where we can create world-class services together, and we are looking forward to welcoming you.
- Provided PC Specs: Latest CPU-equipped PC (MacOS or Windows). Custom-made PCs and replacements with the latest OS are also possible.
- Development Environment: Peripheral devices (displays, mice, keyboards) can be purchased as office supplies.
- Money Forward Library: A library system where you can freely borrow or request books at the company's expense.
- Referral Driven: Coverage for recruitment meals and a referral reward system.
- Conference Participation Support: Partial coverage for domestic and international conferences like RubyKaigi and Google I/O.
About Money Forward
Money Forward, founded in 2012, strives to deliver exceptional value to users in various business domains. As a leading FinTech company, we offer over 40 services, ranging from personal finance management to B2B SaaS products.
We have been growing rapidly, and we are expanding our global hiring to help further expand the company. That means that we are open to hiring those with limited or no Japanese language proficiency.
Money Forward is one of Japan's hottest FinTech companies and it is now a great opportunity to be a part of one of our continued growths!
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