リードバックエンドエンジニア（審査/債権システム）

The role

This person will lead technical decision-making and architecture design for core systems in the credit screening, credit, and debt collection domains. They will drive technical leadership across multiple teams, improve development productivity, and collaborate with PdM and business units to build sustainable system foundations.

What you will do

• Architecture design and improvement policy formulation for backend systems related to screening, credit, and debt collection
• Technical leadership of multiple development teams through technology selection, design reviews, and development policy formulation
• System design and continuous improvement considering availability, performance, security, and auditability
• Collaboration with PdM, business departments, and related teams for requirement specification, prioritization, and implementation method decisions
• Promotion of standardization, commonality, and technical issue resolution to improve development productivity
• Leading operational improvements including failure analysis, visualization of operational issues, and recurrence prevention
• Implementation of important functions and support for solving difficult technical issues as needed

Required qualifications

• Experience in Web application or API development using Java or Kotlin
• Experience in business system development using RDBMS
• Experience leading system design or technology selection
• Experience making technical decisions while building consensus with multiple development stakeholders
• Experience handling abstraction of issues, prioritization, and continuous improvement from start to finish
• Experience in design, development, and operation in cloud environments

Nice to have

• Knowledge of finance, credit, screening, or debt collection business
• Knowledge of Java-based frameworks such as Spring Boot
• Experience in development and operation in cloud environments such as AWS or GCP
• Experience in system integration design with SPA frameworks such as Vue.js, or understanding of frontend architecture
• Experience leading technical roadmap formulation, standardization, or development process improvement
• Experience working on cross-organizational problem solving or development productivity improvement
• Experience in development improvement using Generative AI

Benefits

• Social insurance (health insurance, welfare pension, employment insurance, workers' accident compensation insurance)
• Corporate-type defined contribution pension plan
• Asset formation savings system (general, housing, pension)
• Annual paid leave (14 days in the first year, pro-rated depending on the month of joining)
• Personal leave (5 days per year, or 3 to 5 days in the first year depending on the month of joining)

Before you apply

• Technical challenge (coding test) is available with only Java or Kotlin as selectable languages

About the company

PayPay Card Co., Ltd. was established in 2021 to provide fintech services that are closer and more convenient to users by integrating with the PayPay payment platform, which has surpassed 75 million users as of August 2026.