PayPay Inside-Out People and Culture

Creating the Future of Finance with PayPay vol.04


At PayPay, we use data and technology to make money more accessible and convenient. In this series, we will show you what we as a company want to do and the vision we have for enriching people’s lives through easy access to financial services that meet changing needs as we advance through different life stages. For this issue, we talked with Yuki Jinguji.

Find other articles about PayPay’s financial business here

Yuki Jinguji

Financial Business Promotion

After graduating from university, I joined a megabank, where I worked mainly in sales targeting large corporations in Japan and China. I then moved to a major internet company and worked on establishing a bank in Taiwan before joining PayPay in 2020.

Tell us about your current responsibilities

I’m in charge of most operations related to PayPay top ups. Specifically, the role includes operating and managing PayPay top up costs, analyzing user trends, finding new financial institutions that accept PayPay top ups, managing relationships with financial institutions and gateways we’re already connected with, planning and drafting new services, troubleshooting, and the list goes on.

Reference:press release

What do you find fulfilling, fun, and interesting about your work?

It’s really rewarding when we’re able to connect with financial institutions that have been in high demand amongst our users regarding PayPay top up. Doing “ego searches” immediately after the service’s release has become a thing for me. Articles on the web, comments on the news, keyword searches for PayPay on Twitter and Yahoo’s buzzword search service… I check our users’ reactions in all places. I also find it very interesting to be able to access PayPay’s vast transaction data, establish a hypothesis, and then do some analysis. I feel my SQL skills improving daily!

Yuki Jinguji

So what is the hardest part of your job?

There is always a sense of tension as the slightest mistake can lead to trouble for users. I have to keep an eye on everything so the service can run stably 24 hours a day, 365 days a year. The moment my work cell phone rings in the middle of the night, my heart rate skyrockets.

Anything about the culture of your department & team that you want to highlight?

We are allowed to make mistakes as long as we are on the offensive. Our culture is one where falling forward is a good thing, so we can be decisive and proactively promote projects that benefit our users.

How do you find working at PayPay compared to your time at a financial institution?

Compared to when I was working for a financial institution, I’m now able to work closer to management and be involved in creating services that truly contribute to improving users’ convenience. In PayPay’s culture, decisions are based on whether or not the service is beneficial to users, not based on reasons that are convenient for the service provider. That way, we can always promote services with conviction, which I feel is a big difference from my time at the financial institution.

What would you like to do at PayPay in the future?

I would like to provide more convenient and secure services to society by figuring out customer needs with high granularity through analyzing transaction data. I’m also interested in continuing enhancing my skills in programming, statistics, and data analysis.

Yuki Jinguji

Please give a message to those interested in joining PayPay!

PayPay is a great place to work if you have an enterprising spirit. With the various tasks at hand, you can enjoy the “mixed martial arts” of employing all your experiences and skills as a businessperson, like finance, planning, sales, legal, and languages. If you’re looking for excitement, experience, and exposure, this is the place for you. Let’s create a new future of finance together!

Special Thanks: Yuki Jinguji / Planning: Misako Ichikura / Editor: Az (PayPay Inside-Out Editorial Team) / Translator: Justin / Translation Editor: Language Communication Team
*Employees’ affiliations are as of the time of the interview.