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Management
As of April 2026
Mitsuhide Fukuda
- President and Representative Director
- Chief Executive Officer
- Chairperson of Group Risk Management Committee,
- In charge of Internal Auditing Department
- (President and Representative Director of AIFUL CORPORATION)
- (Chairman and Representative Director of LIFECARD Co., Ltd.)
Yoshitaka Fukuda
- Chairman and Representative Director
- (Chairman and Representative Director of AIFUL CORPORATION)
- (Director of LIFECARD Co., Ltd.)
Keiji Masui
- Representative Director
- Vice President Executive Officer
- (Representative Director and Vice President Executive Officer of AIFUL CORPORATION)
- (President and Representative Director of LIFECARD Co., Ltd.)
- (President and Representative Director of AG Payment Service CO., LTD)
- (Chairman and Representative Director of BitCash Inc.)
Masayuki Sato
- Director
- Vice Chairman Executive Officer
- In charge of Marketing Department
- (Director and Vice Chairman Executive Officer of AIFUL CORPORATION)
- (Director, Executive Officer of LIFECARD Co., Ltd.)
Akira Kamiyo
- Director
- Vice President Executive Officer
- Chairperson of Compliance Committee,
- In charge of Management Planning Department,
- Corporate Group Management Department,
- Operation Management Department Group Communications Department,
- Legal Department and Group Corporate Risk Management Department
- (Director and Vice President Executive Officer of AIFUL CORPORATION)
- (Director, Executive Officer of LIFECARD Co., Ltd.)
Fumihiko Hirose
- Senior Managing Executive Officer of Muninova Holdings Inc.
- In charge of Corporate Strategy Department and Finance Department
- (Senior Managing Executive Officer of AIFUL CORPORATION)
- (President and Representative Director of AG Partners Corporation)
Atsushi Suda
- Managing Executive Officer of Muninova Holdings Inc.
- (Managing Executive Officer of AIFUL CORPORATION)
- (Managing Executive Officer of LIFECARD Co., Ltd.)
Takayuki Nakata
- Managing Executive Officer of Muninova Holdings Inc.
- In charge of System and Digital Promotion Department
- (Managing Executive Officer of AIFUL CORPORATION)
- (Executive Officer of LIFECARD Co., Ltd.)
Akitaka Domoto
- Managing Executive Officer of Muninova Holdings Inc.
- Responsible for Group Companies Management Department
- (Managing Executive Officer of AIFUL CORPORATION)
- (Executive Officer of LIFECARD Co., Ltd.)
Hisashi Shimojo
- Managing Executive Officer of Muninova Holdings Inc.
- (Managing Executive Officer of AIFUL CORPORATION)
- (Managing Executive Officer of LIFECARD Co., Ltd.)
- (President and Representative Director of AG Lending Corporation)
- (President and Representative Director of BitCash Inc.)
Yuji Fukada
- Managing Executive Officer of Muninova Holdings Inc.
- (Managing Executive Officer of AIFUL CORPORATION)
- (President and Representative Director of AG BUSINESS SUPPORT CORPORATION)
- (President and Representative Director of AG MEDICAL CORPORATION)
- (President and Representative Director of AG Capital Co., Ltd.)
- (President and Representative Director of AG Smile Leaseback Corporation)
Ikuo Yamauchi
- Managing Executive Officer of Muninova Holdings Inc.
- Responsible for Finance Department
- (Managing Executive Officer of AIFUL CORPORATION)
- (Executive Officer of LIFECARD Co., Ltd.)
Hiroshi Azuma
- Managing Executive Officer of Muninova Holdings Inc.
- Responsible for Corporate Strategy Department
- (Managing Executive Officer of AIFUL CORPORATION)
Yasuhiko Hashimoto
- Managing Executive Officer of Muninova Holdings Inc.
- (Managing Executive Officer of AIFUL CORPORATION)
- (COO of PT REKSA FINANCE)
Junichi Niizuma
- Managing Executive Officer of Muninova Holdings Inc.
- Responsible for Internal Auditing Department, Legal Department and Corporate Risk Management Department
- (Managing Executive Officer of AIFUL CORPORATION)
- (Executive Officer of LIFECARD Co., Ltd.)
Etsushi Yamada
- Managing Executive Officer of Muninova Holdings Inc.
- Responsible for Marketing Department
- (Managing Executive Officer of AIFUL CORPORATION)
- (Executive Officer of LIFECARD Co., Ltd.)
- (President and Representative Director of AG Servicer Corporation)
Yorihiro Fujii
- Managing Executive Officer of Muninova Holdings Inc.
- In charge of Personnel Department,
- Responsible for Data Analytics Department and Group Communications Department
- (Managing Executive Officer of AIFUL CORPORATION)
- (Executive Officer of LIFECARD Co., Ltd.)
Toshiaki Ando
- Managing Executive Officer of Muninova Holdings Inc.
- (Managing Executive Officer of AIFUL CORPORATION)
Kimihiro Omori
- Executive Officer of Muninova Holdings Inc.
- (Executive Officer of AIFUL CORPORATION)
- (CEO of AIRA & AIFUL Public Company Limited)
Kotaro Matsuura
- Executive Officer of Muninova Holdings Inc.
- In charge of Accounting Department,
- Responsible for Operation Management Department (IR)
- (Executive Officer of AIFUL CORPORATION)
- (Executive Officer of LIFECARD Co., Ltd.)
Ichiro Yamaguchi
- Executive Officer of Muninova Holdings Inc.
- Responsible for System and Digital Promotion Department
- (Executive Officer of AIFUL CORPORATION)
- (Executive Officer of LIFECARD Co., Ltd.)
- (President and Representative Director of AG Solution Technology Inc.)
- (Chairman and Representative Director of Seven Seas Co., Ltd.)
- (Chairman and Representative Director of Liblock Inc.)
- (Chairman and Representative Director of Salop, Inc.)
- (Chairman and Representative Director of TEMPLATE co., ltd.)
- (Chairman and Representative Director of Smart Link co., ltd.)
Jun Mitsuishi
- Executive Officer of Muninova Holdings Inc.
- Responsible for Management Planning Department
- (Executive Officer of AIFUL CORPORATION)
- (Executive Officer of LIFECARD Co., Ltd.)
Atsuki Inagaki
- Executive Officer of Muninova Holdings Inc.
- (Executive Officer of AIFUL CORPORATION)
- (Executive Officer of LIFECARD Co., Ltd.)
Yuki Okano
- Executive Officer of Muninova Holdings Inc.
- (Executive Officer of AIFUL CORPORATION)
- (Executive Officer of LIFECARD Co., Ltd.)
Mahito Oishi
- Executive Officer of Muninova Holdings Inc.
- Responsible for Personnel Department
- (Executive Officer of AIFUL CORPORATION)
- (Executive Officer of LIFECARD Co., Ltd.)
Katsuhiro Sakazaki
- Executive Officer of Muninova Holdings Inc.
- Responsible for Corporate Strategy Department and Finance Department
- (Executive Officer of AIFUL CORPORATION)
- (Executive Officer of LIFECARD Co., Ltd.)
Skills / Experiences of Directors
As of June 2025
| Name | Position and title | Gender | Skills / Experience | |||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Corporate Management |
Legal Risk Management |
Finance Accounting |
Global | Human Resource Development |
Credit Marketing |
IT Digital DX |
Diversity | |||
| Mitsuhide Fukuda |
President and Representative Director |
Male | 〇 | 〇 | 〇 | 〇 | 〇 | 〇 | 〇 | |
| Yoshitaka Fukuda |
Chairman and Representative Director |
Male | 〇 | 〇 | 〇 | 〇 | ||||
| Keiji Masui |
Representative Director, Vice President Executive Officer |
Male | 〇 | 〇 | 〇 | |||||
| Masayuki Sato |
Director and Vice Chairman Executive Officer |
Male | 〇 | 〇 | 〇 | 〇 | 〇 | 〇 | ||
| Akira Kamiyo |
Director and Vice President Executive Officer |
Male | 〇 | 〇 | 〇 | 〇 | 〇 | 〇 | 〇 | |
| Ryoko Kitazawa |
Outside Director | Female | 〇 | 〇 | 〇 | 〇 | ||||
| Hitoshi Shimura |
Outside Director, Audit and Supervisory Committee member |
Male | 〇 | 〇 | 〇 | 〇 | ||||
| Takaya Tsutsumi |
Director and Audit and Supervisory Committee Member |
Male | 〇 | 〇 | ||||||
| Haruichi Suzuki |
Outside Director, Audit and Supervisory Committee member |
Male | 〇 | 〇 | ||||||
| Shinichiro Maeda |
Outside Director, Audit and Supervisory Committee member |
Male | 〇 | 〇 | 〇 | 〇 | ||||
Mitsuhide Fukuda
(As of June, 2025)
President and Representative Director
Chief Executive Officer
2003
April
Joined Daiwa Securities Co., Ltd.
2009
April
Joined OGI Capital Partners, Ltd.
2011
March
Joined the Company
June
Executive Officer, responsible for the Subsidiary Management Department
2012
June
Director and Executive Officer, responsible for the Subsidiary Management Department
2014
April
Director and Executive Officer
April
President and Representative Director of BUSINEXT CORPORATION (currently AG BUSINESS SUPPORT CORPORATION)
June
Director and Managing Executive Officer
2016
April
Director and Managing Executive Officer, responsible for the Guarantee Business Department 1 and the Guarantee Business Department 2
April
President and Representative Director of AsTry Loan Services Corporation (currently AG Loan Services Corporation)
June
Director and Senior Managing Executive Officer, in charge of the Guarantee Business Department 1 and the Guarantee Business Department 2
2017
April
Director and Senior Managing Executive Officer, in charge of the Guarantee Business Department
2018
April
Director and Senior Managing Executive Officer, Senior General Manager of the Loan Business Division, in charge of the Guarantee Business Department, the Marketing the IT Planning Department
October
Director and Senior Managing Executive Officer, Senior General Manager of the Loan Business Division, in charge of the Guarantee Business Department, the Guarantee Business Promotion Department and the Marketing Department
2019
April
Director and Senior Managing Executive Officer, Senior General Manager of the Loan Business Division, Senior General Manager of the Credit Management Division, Senior General Manager of the Guarantee Business Division, in charge of the Credit Governance Department
June
Representative Director and Senior Managing Executive Officer, Senior General Manager of the Loan Business Division, Senior General Manager of the Credit Management Division, Senior General Manager of the Guarantee Business Division, in charge of the Credit Governance Department
2020
June
President and Representative Director, Chief Executive Officer, Chairperson of the Risk Management Committee, in charge of the Administrative Information Office and the Internal Auditing Department
June
Chairman and Representative Director of LIFECARD Co., Ltd. (Current)
2022
October
President and Representative Director, Chief Executive Officer, Chairperson of the Risk Management Committee, in charge of the Internal Auditing Department (Current)
Yoshitaka Fukuda
(As of June, 2025)
Chairman and Representative Director
1967
April
Founded Matsubara Sangyo
1976
February
President and Representative Director of Oasa, Inc.
1982
May
President and Representative Director, the Company, due to merger
2007
April
President and Representative Director, Chairperson of the Risk Management Committee
June
President and Representative Director, Chief Executive Officer, Chairperson of the Risk Management Committee
2011
June
Chairman and Representative Director of LIFECARD Co., Ltd.
2014
April
President and Representative Director, Chief Executive Officer, Chairperson of the Risk Management Committee, responsible for the Internal Auditing Department
2016
June
President and Representative Director, Chief Executive Officer, Chairperson of the Risk Management Committee, in charge of the Internal Auditing Department
2017
October
President and Representative Director, Chief Executive Officer, Chairperson of the Risk Management Committee, in charge of the Administrative Information Office and the Internal Auditing Department
2019
April
President and Representative Director, Chief Executive Officer, Chairperson of the Risk Management Committee, in charge of the Administrative Information Office, the Internal Auditing Department and the Group Internal Auditing Department
2020
April
President and Representative Director, Chief Executive Officer, Chairperson of the Risk Management Committee, in charge of the Administrative Information Office and the Internal Auditing Department
June
Chairman and Representative Director (Current)
Keiji Masui
(As of June, 2025)
Representative Director
Vice President Executive Officer
1983
August
Joined the Company
2002
October
General Manager of the Finance Department
2005
April
General Manager of the Kinki Loan Business Department
2007
July
General Manager of the Loan Business Planning and Promotion Department
2010
January
General Manager of the Subsidiary Management Department
2014
April
Executive Officer
2016
June
Director and Executive Officer
2017
June
Representative Director and President of Sumishin Life Card Company, Limited
2018
April
Representative Director and President of LIFE GUARANTEE CO., LTD. (currently AG Payment Service, CO., LTD.)
2020
June
Chairman and Representative Director of AG MIRAIBARAI CO., LTD. (currently AG Payment Service, CO., LTD.)
2021
April
Director and Executive Officer, in charge of the Corporate Sales Promotion Department, the Eastern Japan Loan Business Department and the Western Japan Loan Business Department, the Company
2022
April
Director and Senior Managing Executive Officer, Senior General Manager of the Guarantee Business Division, in charge of the Corporate Sales Promotion Department, the Eastern Japan Loan Business Department and the Western Japan Loan Business Department
2023
April
Representative Director and Chief Executive Officer of LIFECARD Co., Ltd. (Current)
2024
October
Director and Senior Managing Executive Officer, Senior General Manager of the Guarantee Business Division, Senior General Manager of the Corporate Sales Division
October
Chairman and Representative Director of BitCash Inc. (Current)
2025
April
Vice President and Representative Director, Executive Officer, Senior General Manager of the Guarantee Business Division, Senior General Manager of the Corporate Sales Division (Current)
Masayuki Sato
(As of June, 2025)
Director
Vice Chairman Executive Officer
1982
August
Joined the Company
1996
February
General Manager of the Management Planning Department
1999
April
Assistant Senior General Manager of the Loan Business Division, General Manager of the Promotion Department
June
Director, Assistant Senior General Manager of the Loan Business Division, General Manager of the Promotion Department
2004
October
Representative Director and Senior Managing Director of Sumishin Life Card Company, Limited
2005
April
Director, responsible for the Marketing Department
2008
June
Director and Managing Executive Officer, responsible for the Business Development Department
2010
April
Director and Managing Executive Officer, Senior General Manager of the Management Planning Division, responsible for the Personnel Department
June
Director of Chintai Anshin Guarantor Service Co., Ltd. (currently Anshin Guarantor Service Co., Ltd.)
2011
July
Director and Senior Managing Executive Officer, Senior General Manager of the Management Planning Division, responsible for the Personnel Department
2013
April
President and Representative Director of BUSINEXT CORPORATION (currently AG BUSINESS SUPPORT CORPORATION)
2014
June
Representative Director and Senior Managing Executive Officer, Senior General Manager of the Management Planning Division, responsible for the Personnel Department
2015
January
Authorized Director of AIRA & AIFUL Public Company Limited
2016
April
Representative Director and Senior Managing Executive Officer, Senior General Manager of the Management Planning Division, counsel of the Personnel Department
June
Representative Director and Senior Managing Executive Officer, Senior General Manager of the Management Planning Division, in charge of the Personnel Department
2018
April
Representative Director and Senior Managing Executive Officer, Senior General Manager of the Management Planning Division
2022
April
Representative Director and Senior Managing Executive Officer, Senior General Manager of the Loan Business Division, Senior General Manager of the Credit Management Division, in charge of the Credit Governance Department, the Overseas Business Department, the Bangkok Representative Office, the Shanghai Representative Office and the Jakarta Representative Office
2023
April
Representative Director and Senior Managing Executive Officer, Senior General Manager of the Loan Business Division, Senior General Manager of the Credit Management Division, in charge of the Data Analytics Department, the Overseas Business Department, the Bangkok Representative Office, the Shanghai Representative Office and the Jakarta Representative Office
2024
March
Representative Director and Senior Managing Executive Officer, Senior General Manager of the Loan Business Division, Senior General Manager of the Credit Management Division, in charge of the Data Analytics Department
2025
April
Vice Chairman and Director, Executive Officer, Senior General Manager of the Loan Business Division, Senior General Manager of the Credit Management Division, in charge of the Group Data Analytics Department 1 (Current)
Akira Kamiyo
(As of June, 2025)
Director
Vice President Executive Officer
1983
April
Joined The Sumitomo Trust & Banking Co., Ltd.
2005
January
Manager, the Main Branch of The Sumitomo Trust & Banking Co., Ltd.
April
Director and General Manager, the Planning Division of Matsushita Lease Credit Co., Ltd. (secondment)
May
Director and General Manager, the Planning Division of Sumishin Matsushita Financial Services Co., Ltd. (secondment)
2008
May
General Manager of Tokyo Corporate Business Department III of The Sumitomo Trust & Banking Co., Ltd.
2011
April
Executive Officer, General Manager of Global Credit Supervision Department I of The Sumitomo Trust & Banking Co., Ltd.
2012
April
Executive Officer, General Manager of Global Credit Supervision Department I of Sumitomo Mitsui Trust Bank Limited
2013
April
Managing Executive Officer of Sumitomo Mitsui Trust Bank Limited
2017
April
Deputy President of Sumitomo Mitsui Trust Panasonic Finance Co., Ltd.
2018
April
President of Sumitomo Mitsui Trust Panasonic Finance Co., Ltd.
2020
April
Advisor of the Loan Business Division, the Credit Management Division, the Guarantee Business Division, the Credit Governance Department, the Corporate Risk Management Department, the Company
June
Director and Senior Managing Executive Officer, Chairperson of the Compliance Committee, Senior General Manager of the Loan Business Division, Senior General Manager of the Credit Management Division, Senior General Manager of the Guarantee Business Division, in charge of the Credit Governance Department and the Corporate Risk Management Department
2022
April
Director and Senior Managing Executive Officer, Chairperson of the Compliance Committee, Senior General Manager of the Management Planning Division, in charge of the Operation Management Department, the Personnel Department, the Legal Department and the Corporate Risk Management Department
2023
April
Director and Senior Managing Executive Officer, Chairperson of the Compliance Committee, Senior General Manager of the Management Planning Division, in charge of the Personnel Department, the Legal Department, the Corporate Risk Management Department and the Credit Assessment Department
2024
April
Director and Senior Managing Executive Officer, Chairperson of the Compliance Committee, Senior General Manager of the Management Planning Division, in charge of the Personnel Department, the Group Communications Department, the Legal Department, the Corporate Risk Management Department and the Credit Assessment Department
2025
April
Vice President and Director, Executive Officer, Chairperson of the Compliance Committee, Senior General Manager of the Management Planning Division, in charge of the Personnel Department, the Group Communications Department, the Legal Department, the Corporate Risk Management Department and the Credit Assessment Department (Current)
Ryoko Kitazawa
(As of June, 2025)
Director (Outside)
1997
April
Joined Lehman Brothers Japan Inc.
2000
March
Joined Merrill Lynch Japan Securities Co., Ltd. (currently BofA Securities Japan Co., Ltd.)
2012
February
Joined Simplex Advisors Inc., Managing Director (Current)
2025
June
Director
Hitoshi Shimura
(As of June, 2025)
Director (Outside)
1984
April
Joined Ministry of Finance
1989
July
District Director of the Yukuhashi Tax Office of Fukuoka Regional Taxation Bureau
1992
May
Secretary at Embassy of Japan in Indonesia
2006
June
Consul at Consulate General of Japan in New York
2008
July
Deputy Director-General of Financial Markets Division of the Planning and Coordination Bureau of Financial Services Agency
2009
July
Director of Planning, Management and CPA Examination Division, Certified Public Accountants and Auditing Oversight Board Executive Bureau of Financial Services Agency
2010
July
Counsellor of Cabinet Secretariat
2012
July
Director for Financial Stability of Kanto Local Finance Bureau
2013
April
Senior Executive Director of Japan Finance Organization for Municipalities
2015
July
Regional Commissioner of Hiroshima Regional Taxation Bureau
2016
July
Vice President of Urban Renaissance Agency
2018
July
Director-General of Hokkaido Local Finance Bureau
2019
December
Advisor of Aioi Nissay Dowa Insurance Co., Ltd.
2021
June
Director (Audit and Supervisory Committee Member), the Company (Current)
June
Corporate Auditor of LIFECARD Co., Ltd. (Current)
Takaya Tsutsumi
(As of June, 2025)
Director
1989
November
Joined the Company
2010
October
General Manager of Contact Center
2015
July
General Manager of Customer Center, LIFE CARD Co., Ltd.
2019
April
General Manager of Business Center, the Company; President and Representative Director of Life Stock Center, Co., Ltd.
2021
October
General Manager of Western Japan Business Department
2025
April
General Manager of the Office of Audit and Supervisory Committee (Current)
Haruichi Suzuki
(As of June, 2025)
Director (Outside)
1997
April
Joined Uematsu Shigekazu Law Office (currently UEMATSU/SUZUKI Law Office)
1999
September
Lecturer, Graduate School of Law, Ritsumeikan University
2008
January
Director and Attorney-at-law of UEMATSU/SUZUKI Law Office (Current)
2010
June
Outside Corporate Auditor of KYOTO TOOL CO., LTD.
2015
June
Director (Audit and Supervisory Committee Member), the Company (Current)
2017
June
Outside Director (Audit and Supervisory Committee Member) of KYOTO TOOL CO., LTD. (Current)
2022
April
President of Kyoto Bar Association
Shinichiro Maeda
(As of June, 2025)
Director (Outside)
1992
April
Joined Nomura Research Institute, Ltd.
1998
April
Researcher, Analyst of Financial Research Center of Nomura Securities Co., Ltd.
2000
June
Analyst of Nomura Securities International, Inc. (Nomura Americas)
2004
January
Head Researcher, Senior Analyst of Financial & Economic Research Center of Nomura Securities Co., Ltd.
2005
April
Assistant Professor, Department of International Business Management, Faculty of Business Management, Meijo University
2007
April
Associated Professor, Department of International Business Management, Faculty of Business Management, Meijo University
2015
April
Professor, Department of International Business Management, Faculty of Business Management, Meijo University
2017
October
Associated Professor, Faculty of Economics, Kyushu University
2022
June
Director (Audit and Supervisory Committee Member), the Company (Current)
2025
March
Professor, Faculty of Economics, Kyushu University (Current)
