Staff of Credit Management ‐ Strategic Business Compliance Support Department, Rakuten Total Solutions, Inc. (SBCSD)

Job Description:

Business Overview

Rakuten Group provides more than 70 services in a wide range of fields, including e-commerce, travel, digital content, and other Internet services in Japan and overseas, as well as financial services such as credit cards, banking, securities, electronic money, and smartphone app payments, mobile services such as mobile carrier services, and professional sports. By organically linking these services through a membership system centered on Rakuten members, Rakuten has created a unique “Rakuten ecosystem” that is unlike any other.

*Our Businesses Key Figures
https://global.rakuten.com/corp/careers/services/

Department Overview

As Rakuten Mobile expands its corporate business, there is an urgent need to establish a “robust credit management system” that underpins the company’s sound growth from the ground up. Established in June 2024, the Debt Management Section is a strategic organization solely responsible for the proper management and protection of receivables in corporate transactions. Currently, the division is accelerating efforts to “detect early signs of risk” and “establish a stable revenue base” by leveraging the mobile business’s vast data-from building efficient collection processes to minimizing the risk of uncollected receivables.

We are seeking individuals who can proactively drive operational improvements and risk management based on data and logic, while maintaining respect for frontline staff, to tackle the challenging mission of maximizing revenue while maintaining strong relationships with corporate clients.

Position:

Why We Hire

In line with the rapid expansion of our corporate business, we are seeking to further strengthen our credit management framework by expanding our team.
In this role, you will not only handle day-to-day collection operations but also go beyond traditional frameworks to actively introduce the latest IT tools and data analysis methods. You will be responsible for planning and driving initiatives-such as operational automation and the development of standardized legal procedures-to elevate the organization’s execution capabilities to the next level.
At a stage where we are defining the “ideal state” of receivables management, we are seeking someone who can collaborate with the sales department to implement a consultative approach aimed at “protecting and sustaining revenue,” thereby becoming a key pillar supporting the business’s healthy growth.

Attractive Features of the Organization
- Impact that underpins business growth: In the mobile enterprise business-a critical area directly linked to the Group’s overall revenue-you will play a role that directly influences management by safeguarding financial soundness.
- End-to-end autonomy from planning to execution: From building management operations to making proposals and reporting to senior management, you will lead the entire process-from formulating your own ideas into plans to executing and validating them.
- Advancement and Standardization of Existing Schemes: Building on the existing collection schemes developed alongside the expansion of the corporate business, you will combine the latest data analysis methods and IT tools to drive further “improvements in collection quality” and “operational automation.” This role serves as the “control center,” evolving existing effective frameworks into more robust and reproducible systems while respecting their foundational structure.
- Advanced Expertise in Legal Matters: You will gain experience refining legal response strategies-including those involving collaboration with attorneys and courts-into more efficient and effective frameworks, all while maintaining a deep understanding of existing operational workflows.
- Open and Collaborative Environment: We foster a culture where team members respect each other’s expertise to tackle challenges collectively rather than working in isolation. This flat organizational structure enables open communication and cross-disciplinary collaboration.

Career Path
- Diverse Specialized Careers: You can chart a career path along two distinct tracks: as a “Leader” responsible for organizational management, or as a “Professional” dedicated to mastering debt management expertise. Furthermore, this position serves as a crucial starting point for your career, with opportunities to expand into adjacent fields within the Rakuten Group, such as risk management and business management.

Position Details

Planning & Execution
Plan and run collection strategies based on data analysis of unpaid bills.
Standardize and automate the reminder process to maximize collection rates.

Operations & Guidance
Support collection activities by working with sales teams and outside lawyers.
Manage legal actions (e.g., lawsuits) and create internal guidelines.

Project Management
Lead projects with Sales, Legal, and Finance to improve credit and payment flows.

Work Environment

- Headcount: 5 total (1 Senior Manager, 1 Team Leader, 3 members)
- Age range: Mainly in their 20s–30s
- Hiring mix: New graduates vs. mid-career hires is about 50/50

Backgrounds of Mid-Career Hires
Risk management, compliance, credit management, etc.

Examples of Career Paths for Successful Mid-Career Hires
Within the vast Rakuten Group ecosystem, you can not only aim to become a risk management professional but also hone your skills in business improvement and planning.

Mandatory Qualifications:

- 4+ years of professional work experience
- Skills in structuring and documenting work: able to interview frontline teams, identify issues, and translate them into manuals and workflows that anyone can execute
- Cross-functional coordination skills: experience aligning stakeholders across departments with differing interests and driving consensus as an organization
- Logical thinking and communication skills: able to articulate the need for rules and their risk-reduction impact based on objective evidence

Desired Qualifications:

- Experience driving enterprise sales initiatives or building sales operations
- Experience launching new businesses or standing up new operational/planning functions
- Hands-on experience in one of the following (or a similar) functions: Accounting, Legal, Business Operations/Management, Credit Management, Risk Management
- Implementation experience: led the end-to-end rollout of new internal policies or operating rules, from explaining them to the field through adoption and stabilization
- Basic knowledge of, or practical experience with, legal collection actions (e.g., payment demands, litigation)

Other Information:

Additional information on Location

Rakuten Crimson House

1-14-1 Tamagawa, Setagaya-ku, Tokyo

Additional information on Secondment
Original domicile is Rakuten Group, Inc. to be secondment to Rakuten Total Solutions, Inc. after being hired.

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