Lead Backend Engineer, Digital bank

**About the company:** Money Forward Minato-ku, Tokyo Money Forward is a fintech startup delivering tools to visualize and improve both individuals'​ and companies'​ financial health. **Responsibilities:** As a Software Engineer in the Application Development Team, you will leverage Mambu, a leading cloud banking platform for neobanks and challenger banks, to build one of the most reliable and agile banking systems in the industry. Our goal is to shape the future of digital banking in Japan, making it more accessible and user-friendly than ever before. Acquire domain knowledge in digital banking, including deposits, loans, clearing and settlement, basic accounting, domestic exchange, and Zengin network. Promote development as a Scrum team leader Actively engage with product owners to define requirements. Develop, test, and deploy code that meets non-functional quality gates such as static code analysis, software composition analysis, SAST, and DAST, while maintaining numerical accuracy. Design and build high-performance, scalable microservices centered around APIs. Pursue test automation and continuous improvement, including API testing. Take responsibility for the entire software development lifecycle. Requirements Experience in understanding the background and intent of business requirements and independently defining application specifications. Ability to proactively design specifications and move forward even when requirements are not fully finalized. Knowledge or hands-on experience in at least one banking domain area, such as customer management, core banking systems, AML, compliance, accounting, or knowledge and experience in the banking domain, such as Zengin connection. 7 or more years of deep experience, or a proven track record of leading the design and development of large-scale, mission-critical systems. Proven track record of leading technical recommendations (considering feasibility and technical risks) on product requirements based on domain knowledge. Proven track record of driving technical selection, formulating design policies, and leading the elimination of technical debt in microservice architecture. Proven track record of designing and implementing systems to ensure the integrity of complex financial transactions and resolving database performance bottlenecks. Experience in leading the formulation of testing strategies (e.g., unit, integration, load, contract testing) and the introduction/improvement of test automation frameworks. Experience in production-level service operation and design based on cost optimization and reliability (SRE principles) in major cloud environments (e.g., AWS). Bachelor’s or Master’s degree in Computer Science or a related field, or equivalent practical experience. Japanese: Business level English: Business level (TOEIC score of 700 or above) Nice to haves While not specifically required, tell us if you have any of the following. Experience in designing systems that comply with complex financial regulations and security requirements (e.g., PCI DSS, FISC Security Guidelines). Experience in leading data model design for journal entry and balance management in core banking systems based on double-entry bookkeeping knowledge. Knowledge and experience in designing interfaces for cooperation with domestic settlement networks (e.g., Zengin Net) and CCPs (Clearing Organizations). Experience in introducing and establishing a culture of DevOps/SRE across teams and improving incident response and post-mortem processes. Experience contributing to the recruitment and development of engineers (mentoring, evaluation, training). Experience in formulating a technical selection roadmap and explaining/proposing technical strategy to management and product teams. Proven track record of formulating concrete strategies for improving development efficiency using AI and driving technical standardization and adoption within the team. 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. Compensation ¥9,000,000 ~ ¥15,000,000 annually. **Requirements:** Experience in understanding the background and intent of business requirements and independently defining application specifications. Ability to proactively design specifications and move forward even when requirements are not fully finalized. Knowledge or hands-on experience in at least one banking domain area, such as customer management, core banking systems, AML, compliance, accounting, or knowledge and experience in the banking domain, such as Zengin connection. 7 or more years of deep experience, or a proven track record of leading the design and development of large-scale, mission-critical systems. Proven track record of leading technical recommendations (considering feasibility and technical risks) on product requirements based on domain knowledge. Proven track record of driving technical selection, formulating design policies, and leading the elimination of technical debt in microservice architecture. Proven track record of designing and implementing systems to ensure the integrity of complex financial transactions and resolving database performance bottlenecks. Experience in leading the formulation of testing strategies (e.g., unit, integration, load, contract testing) and the introduction/improvement of test automation frameworks. Experience in production-level service operation and design based on cost optimization and reliability (SRE principles) in major cloud environments (e.g., AWS). Bachelor’s or Master’s degree in Computer Science or a related field, or equivalent practical experience. Japanese: Business level English: Business level (TOEIC score of 700 or above) **Nice to have:** While not specifically required, tell us if you have any of the following. Experience in designing systems that comply with complex financial regulations and security requirements (e.g., PCI DSS, FISC Security Guidelines). Experience in leading data model design for journal entry and balance management in core banking systems based on double-entry bookkeeping knowledge. Knowledge and experience in designing interfaces for cooperation with domestic settlement networks (e.g., Zengin Net) and CCPs (Clearing Organizations). Experience in introducing and establishing a culture of DevOps/SRE across teams and improving incident response and post-mortem processes. Experience contributing to the recruitment and development of engineers (mentoring, evaluation, training). Experience in formulating a technical selection roadmap and explaining/proposing technical strategy to management and product teams. Proven track record of formulating concrete strategies for improving development efficiency using AI and driving technical standardization and adoption within the team. 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. **Compensation:** ¥9,000,000 ~ ¥15,000,000 annually.