Merchant Analyst

Job Type
9,000,000 JPY - 12,000,000 JPY per year + WFH + Company Benefits + Bonus
Japanese Level
High Intermediate (JLPT Level 2)
English Level
Advanced (TOEIC 860)
Start Date


A growing FinTech company is looking for a talented Merchant Analyst to work in their Risk & Analytics Team.


- Our client is a FinTech leader in delivering cardless payments and other financial services to businesses throughout Japan. Their proprietary solutions are at the forefront of revolutionizing online & mobile payments, P2P transfers, personal finance, and merchant settlements.

- Merchant analysts must be passionate about getting some high-quality partner merchants into the company's ecosystem.

- As part of the Risk & Analytics team, you will work directly with the Merchant Onboarding team lead and the rest of the Risk team, as well as a Sales team and Credit Operations.



- Assess merchants’ business model risk and quickly determine credit exposure risk on new and existing merchants to determine the appropriate course of action.

- Review compliance and regulatory risk of merchants’ business and also be able to illustrate the risk to stakeholders.

- Analyze and investigate merchant’s corporate structure, founder information, products, financial and bank statements (if any) to assess creditworthiness.

- Collaborate with internal business partners (Sales & Credit Operations) to obtain an understanding of merchants, and tactically mitigate risk exposure.

- Monitor, investigate, and analyze merchants’ authorization using internal Risk monitoring tools.

- Stay current on merchant industry trends that impact the Commercial Merchant segment.


【Company Details】
A successful Fintech Company, provides a payment platform that lets online merchants accept payments in real-time from consumers without credit cards.


【Working Hours】

9:00 - 18:00 (Mon - Fri) (Optional Work-From-Home)


Saturday, Sunday, and National Holidays, Year-end and New Year Holidays, Paid Holidays, Special leave, etc.


【Services / Benefits】
Social insurance, Transportation Fee, No Smoking Indoors (Designated Smoking Area) etc.


Required Skills

- Practical merchant underwriting or compliance experience in companies such as Fintech, banks, card or other financial industries

- Regulatory knowledge

- Experience with data analytics and build an automated reporting model will be a big plus.

- Practical experience related to credit management in the financial industry.

- Compliance underwriting experience in accordance with the Installment Sales Act.

- Advanced Excel, SQL, and intermediate data science: R/Python.