CTO Message
What the Money Forward CTO is Thinking (September 2025) | Engineers' Blog
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.
Join us in refreshing the development processes of Japan's largest data integration platform and building the next generation of financial infrastructure.
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.
To achieve this, our account aggregation system continues to evolve every day. We build the foundational architecture of the system and develop each individual function that operates upon it. To maintain stable connections with over 2,500 partners, consistent and steady maintenance is essential. In addition, our development scope is broad, ranging from supporting new financial institutions to implementing new product features.
◆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.
- You will have the opportunity to work with vast and diverse user data that is unavailable at other companies, allowing you to conceptualize and design how data should ideally be structured.
- You will have the opportunity to work with socially valuable Open APIs and create them yourself.
- By connecting with over 2,500 financial services, you will deepen your understanding of financial data and gain extensive knowledge and experience in areas such as data policy development and project management.
- You can participate as a core member in transforming the organization during a turning point and gain hands-on experience in organization building.
- You can lead both domestic and international engineers, gaining team management experience in a global environment.
- You can implement operational efficiencies and process reforms using AI, and work on organizational improvements at a practical level.
◆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.
◆Expected Mindset
- Service Understanding: Understand how Money Forward’s services contribute to users and be able to consider and define the role your own organization should play.
- Systemic Problem-Solving: Instead of relying on individual effort to address operational failures or technical debt, create mechanisms within the team to prevent recurrence and ensure continuous improvement.
- Ability to Drive Change: Review and improve existing processes by leveraging AI and other technologies without being bound by "the way things have always been done," and steadily drive transformation forward while actively listening to team members' feedback.
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.
- Experience in operational improvement and automation for large-scale systems.
- Experience leading projects with short development cycles.
- Experience in mentoring and developing team members.
- Experience in negotiation and coordination with internal and external stakeholders.
- Experience in utilizing Generative AI in business operations.
- Knowledge of expense reimbursement and accounting systems.
- Basic knowledge of financial sectors, including banking, credit cards, and securities.
- Experience in AI development and/or experience in using AI tools to improve development processes.
- Money Forward recently announced our AI Strategy roadmap which focuses on improving AI-driven operational efficiencies, as well as integrating AI agents into our products to deliver better value to our users. (More information here)
Language Requirements
- Japanese: Business foundation level (JLPT N2 equivalent or higher)
- English: Business foundation level (TOEIC 700 equivalent or higher)
- If you do not have a TOEIC certificate taken within the last two years with a score of over 700, you will be required to take an English test during the selection process.
- Examples: Eiken Pre-1st Grade, TOEFL iBT 60 or higher, IELTS 5.0 or higher, Cambridge English FCE, etc.
◆Required Communication Skills (English):
＊Our engineering organization is becoming increasingly global, with daily collaboration between members in Japan and overseas. Therefore, as a general rule, all communication is conducted in English.
- Ability to smoothly facilitate and lead meetings with small groups of approximately 3 to 4 members.
- Ability to deepen discussions by reconciling differing opinions and aligning perspectives among team members.
- Ability to communicate effectively and professionally across all business-related interactions.
Who We’re Looking For
- Excitement about building services that leverage Money Forward's vast data.
- A proactive mindset to actively improve systems and development methodologies, rather than remaining passive.
- A positive attitude toward building an evolving organization together from the ground up.
- A person with a strong interest in financial services.
- A person with a genuine passion for technology.
Technology Stack
- Web Server-Side：Java, Kotlin
- Database: MySQL
- Infrastructure/Middleware: Sakura, AWS, Docker, Redis
Tools Used
- Repository Management: GitHub
- CI/CD: Jenkins, ArgoCD
- Development Environment: IntelliJ IDEA, Eclipse, Cursor, Docker
- Monitoring:Grafana, Kibana, Rollbar
- Communication:Slack, Zoom
- Ticket Management: Redmine, Jira
- Documentation:Notion, Google Workspace
- AI Tools: Gemini, Notion AI, Claude Code, Cursor, GitHub Copilot等
*Many other AI tools are available upon request. If you are interested, please feel free to ask during your interview.
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: We provide PCs equipped with the latest CPUs (MacOS or Windows). Custom-made PCs tailored to business requirements and replacements with the latest OS are also possible.
- Systems to Enhance the Development Environment: Peripheral devices necessary for work (such as displays, mice, keyboards) can be purchased as office supplies. Generally, you can choose from standard products (catalog), and if conditions are met, you can apply for non-standard products as well.
- Money Forward Library: We have a library system where you can freely borrow books, ranging from technical books to management books. Desired books can be purchased at the company's expense.
- Referral Driven: We cover the cost of recruitment meals. There is a referral reward system.
- Conference Participation Support: The company partially covers participation in domestic and international conferences, such as RubyKaigi and Google I/O.
| 職種 / 募集ポジション | Lead Backend Engineer, Account Aggregation Division, Tokyo |
|---|---|
| 雇用形態 | 正社員 |
| 給与 |
|
| 勤務地 | |
| Salary System | <Salary Range> Min 534,000 JPY / month（6,408,000 JPY / year）〜917,000 JPY / month（11,004,000 JPY / year） Each including fixed allowances of 155,025 JPY〜266,193 JPY / month. |
| Bonus | A「High Performance Bonus」may be paid to employees who receive high evaluations based on semi-annual evaluations in addition to their salary. ※Please note that the remuneration of the High Performance Bonus is subject to change according to the company's performance. |
| Probation Period | 3 months from join date |
| Working Hour System | Discretionary Labor System for Professional Work ※Conditions apply; subject to change to Flextime System. |
| Working Hours | 9:30 - 18:30 (60 min break) are the basic working hours. However, employees are able to choose their working hours at their own discretion. ※There is potential for overtime work outside the determined hours. |
| Work Style Policy | Hybrid work style ・As a standard practice, employees are required to work at the office a minimum of 2 days per week. Employees are encouraged to spend 3 or more days in the office. (This policy may be subject to change based on the company and job circumstances) ・The specific "team office days" may vary depending on the assigned team. |
| Holidays/Vacations | ■ Saturdays / Sundays / Japanese national holidays ■ Paid holidays ■ Summer holidays (3 days) ■ Winter holidays (2 days) ■ Year-end and New Year’s holidays (Dec 31st～Jan 3rd) |
| Benefits | ■ Various social insurances (employee pension, health insurance, employment insurance, industrial accident compensation insurance) ■ Neighborhood housing allowance and neighborhood moving allowance ■ Salary-based rent deduction benefit ■ Health check and gynecological checkup ■ Influenza vaccine ■ Book purchases support ■ Defined-contribution corporate pension ■ Employee stock ownership plan ■ Preferential treatment when using the following services（limited to businesses under contract with Money Forward） - Rental agency - Housekeeping services - Babysitting - Online English conversation school |
| Selection Process１ | Casual interview/Document Screening ↓ First interview (Depending on the position, there may be a technical assignment before the interview) ↓ Several interviews (The number of interviews depends on the position) ↓ Final interview (We may ask for a reference check before or after the interview) ↓ Job offer/Offer meeting ※The process may be subject to change depending on the case. |
| Selection Process２ | ■ What are reference checks? Money Forward may ask for your cooperation with reference checks using a reference check service tool. We believe that mutual understanding is limited to the selection process alone. Therefore, we would like to gather information about you from your supervisor and colleagues at your current or former company to ensure a more reliable match and facilitate your early success after joining our company. ※We do not make employment decisions based solely on the contents of reference checks. ※The fact that you are in the selection process with us will not be disclosed to referees. |
| Notes | ・Range of change in job description: Work as determined by the company ・Range of change in work location: Work location as determined by the company |
| Reference Information | https://recruit.moneyforward.com/#introduction |
| 会社名 | 株式会社マネーフォワード |
|---|---|
| 代表者 | 代表取締役社長グループCEO 辻 庸介 |
| 創業 | 2012年5月 |
| 取締役 | 金坂 直哉 中出 匠哉 竹田 正信 石原 千亜希 |
| 社外取締役 | 田中 正明 倉林 陽 安武 弘晃 宮澤 弦 Ryu Kawano Suliawan 菊間 千乃 |
| 監査役 | 畠山 優実 田中 克幸 瓜生 英敏 |
| CxO・VPox | 瀧 俊雄 山田 一也 坂 裕和 松岡 俊 伊藤 セルジオ 大輔 関田 雅和 松久 正幸 野村 一仁 長尾 祐美子 渋谷 亮 金井 恵子 上利 陽太郎 梅田 康吉 |
| 執行役員 | 田平 公伸 本川 大輔 冨山 直道 木村 友彦 永井 博 駒口 哲也 廣原 亜樹 島村 誠一郎 永井 七奈 木村 慎治 丸山 嘉伸 吉本 憲文 工藤 裕之 島内 広史 小山 幸宏 渡辺 恵伍 松村 道夫 岩崎 大 |
| オフィス | 本社オフィス 〒108-0023 東京都港区芝浦3-1-21 msb Tamachi 田町ステーションタワーS 21F 北海道支社 〒060-0061 北海道札幌市中央区南一条西4-5-1 札幌大手町ビル3階 東北支社 〒980-0021 宮城県仙台市青葉区中央2-2-10 仙都会館 5F 東海支社、名古屋開発拠点 〒450-6213 愛知県名古屋市中村区名駅4-7-1 ミッドランドスクエア 13F 京都支社、京都開発拠点 〒604-8004 京都府京都市中京区三条通河原町東入中島町78番地 明治屋京都ビル 4階 関西支社、大阪開発拠点 〒541-0042 大阪府大阪市中央区今橋 2-5-8 トレードピア淀屋橋 9階 広島支社 〒730-0015 広島市中区橋本町9-7 ビル博丈5F 九州・沖縄支社、福岡開発拠点 〒810-0041 福岡県福岡市中央区大名2丁目6-50 福岡大名ガーデンシティ 16F |
| 社内コミュニケーション活性化の取り組み | ■全社週次/月次朝会/半期総会 ■代表との意見交換会（CEOセッション） ■全社懇親会（MF Happy Hour） ■他部門社員との交流会（シャッフルランチ・ディナー） ■上長との定期1on1（ツキイチ面談） ■社内公募制度（MFチャレンジシステム） ■社員満足度調査（MFグループサーベイ） ※一部正社員のみ |
| 労働条件 | 屋内原則禁煙（喫煙室あり）等 |
| 中途採用比率 | 2021年11月末 93.8％ 2022年11月末 90.0% 2023年11月末 76.6％ 2024年11月末 88.7% |