About Us

At Money Forward, we are dedicated to transforming financial services using advanced technology. With over 50 services for individuals and businesses, including popular products like Money Forward ME and Money Forward Cloud, we help make managing money easier. We use cutting-edge “account aggregation” technology to gather user data, turning it into useful insights for our customers.

As announced in "Money Forward AI Vision 2026," we view AI utilization not as an option, but as a prerequisite for sustainable enterprise growth. Guided by executive leadership, we are accelerating an all-in AI shift across the entire company.

Rather than treating AI merely as an efficiency tool for existing tasks, we fundamentally ask, "How should this process exist in the first place?" to reconstruct products and workflows optimized for the AI era. Powered by a rich, active user base and vast datasets, we strictly practice AI-driven development engineered backward from maximum user value. Internally, we actively integrate generative AI tools into our development environments, driving radical productivity gains and rapid product iterations.

We are looking for motivated engineers and product team members who want to embrace new technologies without fear of failure in this period of global trial and error—and who are truly passionate about building high-impact AI services grounded in massive real-world data.

Overview

As a Senior Data Engineer in the MIDAS (Management Integration & Data Analytics System) Data Platform Team, you will build from scratch and maintain the central data hub connecting most systems found inside one of Japan's more innovative digital banks.

You will work with modern cloud-based data technologies to ingest data from various banking systems, apply complex business logic on it, then serve it to downstream systems for enterprise management, regulatory reporting, risk management and many other applications.

Thanks to the high expectations towards the banking domain, you will have the opportunity to work on complex data engineering challenges including data quality, reconciliation across multiple systems, time-critical data processing, and complete traceability.

This is a senior individual contributor role where you will design and implement complex data pipelines, mentor mid-level engineers, and participate in architectural decisions for the platform.

※ This position involves employment with Money Forward, Inc., and a secondment to the new company (SMBC Money Forward Bank Preparatory Corporation). The evaluation system and employee benefits will follow the policies of Money Forward, Inc.

Who we are? 

We are a startup team partnering with Sumitomo Mitsui Financial Group and Sumitomo Mitsui Banking Corporation to establish a new digital bank. Our mission is to build embedded financial products from the ground up, with a strong focus on supporting small and medium-sized businesses (SMBs).

Responsibilities and Duties

• Build data ingestion pipelines from multiple sources (CRM, CBS, CLM, LOS) via REST APIs or database connections
• Build and maintain Bronze/Silver/Gold transformations ensuring data quality and performance
• Implement data quality checks and cross-system reconciliation (e.g., CBS records vs. ledger balances)
• Develop and optimize SQL queries and transformations via Databricks SQL, notebooks, or DLT
• Design data models for analytics/reporting, focusing on CRM integration, regulatory reporting, and the outbound Conseek risk-export mart
• Build REST APIs and data serving layers for downstream consumers
• Participate in data platform architecture decisions
• Write unit, integration, and data quality tests for pipelines
• Monitor pipelines, troubleshoot failures, and implement improvements
• Optimize queries via partitioning, Z-ordering, and performance tuning
• Implement data platform Infrastructure as Code (IaC) using Terraform
• Set up CI/CD pipelines for automated testing and deployment
• Mentor mid-level engineers and conduct code reviews
• Contribute to team documentation and best practices
• Collaborate with backend engineers on API contracts and data schemas
• Work with the Tech Lead on platform design and technology selection
• Lead data platform features and initiatives
• Support EOD (End-of-Day) data collection aligning with Zengin settlement timing

Required Skills and Experience

• 5+ years of data or analytics engineering experience
• Strong proficiency in SQL and Python
• Experience building data pipelines with modern tools (Databricks, Spark, etc.)
• Experience with cloud platforms (AWS, Azure, GCP) and storage (S3, ADLS, GCS)
• Strong understanding of data modeling (dimensional, data vault, or event-driven)
• Ability to debug and optimize queries and data processing jobs
• Experience with Git and CI/CD pipelines
• Understanding of data governance (access control, audit logging, lineage)
• Strong problem-solving skills and ability to work independently
• Experience mentoring junior/mid-level engineers
• Excellent communication skills for cross-functional collaboration
• BS in Computer Science/Engineering or equivalent practical experience
• Business-level Japanese required

Preferred Skills and Experience

• Business-level English (e.g., TOEIC 700+) is a plus for cross-team collaboration
• Experience with data quality validation and testing frameworks
• Experience in financial services, FinTech, or regulated industries
• Knowledge of banking concepts: core banking, payments, regulatory reporting, AML/transaction monitoring
• Experience building compliant data platforms (FISC Security Guidelines, FSA/BOJ, GDPR, APPI)
• Hands-on Databricks experience (AutoLoader, Unity Catalog, DLT, Databricks SQL, Workflows)
• Experience with cross-system financial data reconciliation
• Databricks performance tuning experience (partitioning, Z-ordering, query optimization, cost management)
• Experience building Python REST APIs (FastAPI, Flask) for data serving
• Knowledge of streaming ingestion patterns and tools (Kafka, Kinesis)
• Experience with Terraform
• Contributions to open-source data engineering projects
• Experience with Databricks SQL Dashboards or BI tools (Tableau, Looker, PowerBI)
• Experience leading technical initiatives from design to implementation
• Track record of improving platform performance or reducing costs (with specific metrics)
• Experience in AI development and/or experience in using AI tools to improve development processes.
  • Money Forward is at a major turning point, shifting "from Cloud to AI." We are currently driving "AX (AI Transformation)"—the next step beyond DX—with the goal of providing "Digital Workers," where AI agents autonomously execute tasks. As we enter a phase of evolving into Japan's No. 1 back-office AI company by integrating AI agents into all of our products in the future, we are looking for individuals who can contribute to AI-driven development and value creation.(More information here)

Technology Stack and Tools Used

Cloud Infrastructure

• AWS (Tokyo region)
• S3 data lakes & VPC networking
• IAM security & access management

Data Lakehouse Architecture (Databricks)

• Delta Lake (ACID transactions, time-travel, schema evolution)
• Medallion architecture (Bronze/Silver/Gold)
• Partitioning, Z-ordering, & Parquet storage optimization
• Unity Catalog for centralized governance & metadata

Orchestration & Processing (Databricks)

• Databricks Workflows & Apache Spark distributed processing
• Serverless & auto-scaling compute
• AutoLoader for streaming & batch ingestion

Data Transformation (Databricks)

• Delta Live Tables for declarative ETL
• SQL & Python notebook transformations
• Incremental materialization

Query & Analytics (Databricks)

• Databricks SQL & Serverless SQL warehouses
• Query optimization & caching
• REST APIs & direct Delta Lake integrations (Athena, Redshift)

Data Quality & Governance (Databricks)

• DLT data quality expectations & cross-system validation
• Column/row-level security via Unity Catalog
• Automated data lineage, audit logging, & 10-year retention policies

Business Intelligence (Databricks)

• Databricks SQL Dashboards
• Enterprise BI integration (Tableau, PowerBI, Looker)

Development & DevOps

• Languages: SQL, Python
• Tools & Infrastructure: Databricks, GitHub, GitHub Actions (CI/CD), Terraform (IaC)
• Monitoring: Databricks Monitoring, AWS CloudWatch
• AI-Assisted Dev: GitHub Copilot, Claude Code, ChatGPT

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.
• 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 Senior Data Engineer - MIDAS Data Platform, Digital Bank, Tokyo 雇用形態 正社員 給与 年収 6504000–11004000 JPY / YEAR

Monthly salary system
※Includes fixed allowances for up to 45 hours of legal overtime, legal holiday work, and 40 hours of late-night work.

勤務地

• 108-0023  21F Tamachi Station Tower S, msb Tamachi, 3-1-21 Shibaura, Minato-ku, Tokyo
  地図で確認

Salary System

<Salary Range>
Min 542,000 JPY / month（6,504,000 JPY / year）〜917,000 JPY / month（11,004,000 JPY / year）
Each including fixed allowances of 157,808 JPY〜266,988 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. We will request you to take an aptitude assessment.)
↓
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

■ About the Aptitude Test
It is a simple web-based survey taking around 20 minutes to complete. 

■ 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

会社情報 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

安武 弘晃
宮澤 弦
Ryu Kawano Suliawan
菊間 千乃
芦田 健
上田 梨々子

監査役

畠山 優実
田中 克幸
西山  茂

グループCxO・VPox

上利 陽太郎
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
金井 恵子
梅田 康吉
丸山 嘉伸

執行役員

田平 公伸
本川 大輔
冨山 直道
永井 博	
駒口 哲也
廣原 亜樹
島村 誠一郎
永井 七奈
木村 慎治
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
渋谷 亮

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%