About NK3 Holdings

President's Message

Our group carries out its activities under the principle that 'through our credit business services, we will at all times create new value and contribute to the continuous progress of not just customers, employees, business partners, and local communities, but to society as a whole.' Following our establishment in 2007, we have utilized the expertise and knowledge of our management team towards investments and the consumer credit service business, to provide the most suitable solutions to our customers, and as a result have expanded our operations. Our group looks ahead to accurately ascertain society’s needs, and endeavors for the entire company to operate in unity for the development of society, while pursuing both innovation and compliance.


  • Masaru KOJIMA
    NK3 Holdings, Inc. Representative Director and CEO

    Masaru Kojima joined Goldman Sachs & Co. in 1988 and became vice president in 1995 after working at the Investment Banking Division of the Tokyo branch and the Capital Market Division at the New York headquarters.
    In 1996, he then acted as one of the core founding members of Goldman Sachs Asset Management of Japan (GSAM), took the office of deputy director of the Sales Department, and expanded its assets under management to 3 trillion yen. He became executive officer and sales director of GSAM in 2000.
    Masaru Kojima held prominent positions such as CEO at the Orient Credit Company Limited (currently NETCARD, Inc.), management advisor at Unison Capital, director at GMO Internet Securities, Inc., and assumed the role of representative director and CEO of NK3 Holdings, Inc. in 2007. He is a former board member at Japan Consumer Finance Association (2005-2009).
    Main publications: “The Revolution of Investment Trusts,” (coauthor: NIKKEI Shimbun), “Money from Pensions and the Postal Service Will Save Japan,” (coauthor: Kinzai Institute for Financial Affairs)
  • Yoshikatsu KAMATA
    NK3 Holdings, Inc. President and Representative Director

    Yoshikatsu Kamata joined Takefuji Corporation in 1983 and became head of the Secretariat Office in 2000 after serving under various roles, including as manager of the Yokohama branch, and in the public relations, IR, and finance departments at the headquarters.
    After serving as representative director and COO at Orient Credit Company Limited (currently NETCARD, Inc.), he assumed the position of president and representative director of NK3 Holdings, Inc. in 2007.
    Kamata has over 30 years of experience in the consumer credit service business.


Corporate Name
NK3 Holdings, Inc.
FUJI SOFT Building, 12th Floor 2-19-7 Kotobashi, Sumida-ku Tokyo
Executive Officers
Masaru Kojima, Representative Director and CEO
Yoshikatsu Kamata, President and Representative Director
Date of Establishment
July 18, 2007
Main business activities
・Investment business (loans receivables, renewable energy business)
・Outsourcing services for primary business activities (human resources, general affairs, accounting operations, systems and training, etc.)
・Call center outsourcing services
Technology Partnership


JR Sobu Line: 5 min. walk from Kinshicho Sta. (South Exit)
Tokyo Metro Hanzomon Line: 5 min. walk from Kinshicho Sta. (Exit 1)

Google Map


Our Businesses

NK3 Holdings, Inc. invests primarily in the consumer credit service business and other related loans receivables.
The company was founded by the joint investments of four members: CEO Masaru Kojima who is widely knowledgeable in the financial business field after having accumulated many years of experience both in Japan and in the U.S., Yoshikatsu Kamata who has experience and knowledge in the consumer credit service business, and 2 others.
Our group is primarily engaged in the investment business in the areas of consumer credit service and renewable energy. Furthermore, for the original purpose of compliance as well as the increasingly important social goal of thoroughly managing information, President Kamata is putting in place, and operating a compliance structure along with a highly reliable IT system.
Years after its founding in 2007, the company has built a sound financial base and maintained steady growth



  • April 14, 2014
    Notice of re-launching our website
    We re-launched our website today.
  • July 27, 2009
    Notice of launching our website
    We launched our website today.


Please contact us for any inquiries and questions.