The payment industry is rapidly growing due to the advancement of digitalization and the spread of mobile payments. Along with this growth, the talent market is also undergoing significant changes. The payment market size in 2025 is estimated to be $3.16 trillion, with a CAGR of 10.88% during the forecast period (2025-2030), reaching $5.3 trillion by 2030.

The areas where fintech companies are most focused are digital payments and peer-to-peer transfers. With the increase in online shopping, cashless payments available 24/7 are gaining attention. Additionally, peer-to-peer money transactions through apps are rapidly spreading. Furthermore, online banking and mobile banking are also gaining attention, allowing traditional banking services to be conducted digitally. Web3 wallets with GameFi functions are also attracting attention, offering services that convert everyday payment data into digital assets.

Trends in the Talent Market

• Increased Demand for Technical Skills: The development and operation of digital payment systems require advanced technical skills. In particular, the demand for software developers and data scientists is increasing.
• Importance of Security Experts: With the spread of digital payments, security risks are also increasing. Therefore, cybersecurity experts play a crucial role.
• Regulatory Compliance Experts: Compliance experts are also needed to respond to regulations in various countries.

Salary Levels by Position

Below are the general salary levels for fintech positions. XG Partners focuses on job openings that play a significant role in the entry of foreign companies into Japan, handling many job openings with an additional ¥5,000,000 to ¥10,000,000 on top of these level.

Sales Director

Average Annual Salary: Approximately ¥12,000,000 to ¥30,000,000+

Role: Planning and executing sales strategies, team management, negotiating with major clients, etc.

Account Manager

Average Annual Salary: Approximately ¥8,000,000 to ¥15,000,000

Role: Maintaining relationships with existing clients, developing new clients, improving customer satisfaction, etc.

Relationship Manager

Average Annual Salary: Approximately ¥10,000,000 to ¥15,000,000

Role: Building long-term relationships with clients, understanding client needs, providing customized services, etc.

Operations

Average Annual Salary: Approximately ¥6,000,000 to ¥9,000,000

Role: Optimizing business processes, managing daily operations, promoting efficiency, etc.

Compliance

Average Annual Salary: Approximately ¥8,000,000 to ¥15,000,000

Role: Ensuring legal compliance, internal audits, risk management, regulatory compliance, etc.

Proposals for International Payment Players

Strategic initiatives to attract talented individuals include the following elements:

1. Competitive Salaries and Benefits. International payment players attract talented individuals by offering competitive salaries and comprehensive benefits. This includes bonuses, health insurance, retirement plans, etc.
2. Career Growth Opportunities. Companies provide training programs and mentorship to support employees’ career growth. This allows employees to improve their skills and advance their careers.
3. International platform.International payment players offer opportunities for employees to work overseas or participate in projects. This allows employees to broaden their international perspective and deepen their understanding of different cultures.
4. Innovation and Technology. By providing opportunities to engage with the latest technology and innovation, employees can work at the forefront of the industry. This allows employees to constantly acquire the latest knowledge and skills.
5. Flexible Working Arrangements. By offering flexible working arrangements such as remote work and flexible working hour, companies support employees’ work-life balance. This makes it easier for employees to balance work and personal life.

Proposals for Job Seekers

The fintech industry offers a wide range of business models and services, requiring advanced IT literacy. Experience and skills in the financial industry are crucial for system development and collaboration on large-scale projects. Knowledge in areas such as deposits and withdrawals, foreign exchange, lending, and investment is particularly important. Compliance awareness is highly valued, and there are opportunities to excel in various fields such as product planning, sales, and direction. Tech engineers with knowledge in AI, blockchain, and security find it easier to change jobs, and skills in smartphone app UI/UX design are also appreciated. The fintech market is rapidly expanding, actively recruiting talented individuals.

To secure a dream job in an international fintech company, a strong interest in economics and finance, extensive knowledge in payment industry, and the ability to continuously new technology are required. Curiosity and sensitivity to the latest information are also suitable traits. Skills in finance, programming, data analysis, and marketing are essential, and continuous learning and flexible adaptation are important to thrive in the rapidly developing fintech industry.

Fintech companies operate across borders, offering many opportunities to work globally. Through the digitalization of society and the economy, they have the potential to make life more convenient for people around the world.