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Are you looking for your next career move? WE ARE THE ONE! Zero Finance is a wholly owned subsidiary of Zero Fintech (Stock code: 00093). We are one of the leading Fintech Companies in Hong Kong, committed to providing Financial Solutions to our clients since 2014. Our lending business generated a revenue of HKD257 million in 2024 with a rapid growth compared to the revenue of HKD107 million generated in 2021. X WALLET is the 1st APP in the Hong Kong Market to feature a 5-secondA.I.approval credit product. Our app acquired over 100k users and achieved steady growth over the years. This year, we will continue to break throughwith new features products. Our newly-launched X Pay is one of thenew payment products to excel in the market of Paylater solutions. This role is a core pillar of our payments operations team, responsible for keeping day-to-day administrative and operational processes running smoothly, and for managing the full merchant lifecycle — from onboarding through to ongoing relationship management. This is not a purely executional role. We expect you to scrutinise every operational touchpoint with a product mindset, put forward improvement ideas, and work closely across departments to become a genuine driver of business growth. Job Duties AI tool adoption and process innovation Proactively explore and apply AI tools (e.g. generative AI assistants, workflow automation platforms) to raise individual and team productivity. Continuously review existing workflows, propose concrete optimisation ideas, and follow through on implementation. Identify repetitive tasks across business processes and design or introduce automation solutions to free up team capacity. Surface constructive improvement ideas around product features, service experience, or business metrics, and articulate their value clearly to the team. Operations support Assist the department head with day-to-day administrative and operational matters to keep team workflows running smoothly. Handle meeting coordination, scheduling, report writing, and data consolidation. Support internal projects, tracking action items and ensuring timely completion. Proactively communicate and coordinate across departments to break down information silos and improve cross-functional efficiency. Merchant onboarding Coordinate and manage the end-to-end onboarding process for new merchants, including document collection, preliminary review, and system entry. Follow up on merchant compliance checks, ensuring submitted materials are complete and accurate. Act as the internal process coordinator, ensuring merchant information is submitted to relevant systems accurately and on time. Continuously improve the onboarding process to shorten merchant wait times and enhance the overall onboarding experience. Merchant liaison and relationship management Serve as the primary point of contact for merchant enquiries and issue resolution, delivering timely and professional responses. Effectively resolve merchant issues related to transactions, settlements, and other operational matters to maintain strong partnerships. Gather merchant feedback on a regular basis and synthesise insights to support product and service improvements. General administration and coordination Handle tasks and ad hoc assignments from the department head efficiently. Maintain team documentation and knowledge bases, keeping information organised and traceable. Support UAT testing for system features, providing clear test records and feedback. Requirements Bachelor's degree or above. 1–3 years of relevant work experience; exceptional fresh graduates are welcome to apply. Prior experience in payments, fintech, or a related industry is preferred. Must hold a valid Hong Kong work status (Top Talent Pass, Quality Migrant Admission Scheme, Employment Visa, IANG, or equivalent) Please indicate your Cantonese proficiency level (e.g., Fluent / Conversational / Basic / None). Competitive advantage Familiarity with merchant acquiring, online payment flows, or financial services operations. Hands-on experience applying AI tools to improve work efficiency — e.g. automated workflows, intelligent document handling, or data analysis support. A track record of proactively proposing and implementing process improvements, with concrete results to demonstrate. Basic data analysis skills using Excel, Google Sheets, or similar tools. Why should you join us? Rewarding career development on a Fintech-payment project! 1:1 coaching and mentoring, work with a friendly, open-minded, supportive team! You will be heard, valued, recognised, and appreciated! Working in a convenient office location - Sheung Wan! Attractive remuneration package with a discretionary bonus! The top-notch medical plan includes Annual body check, clinical, hospitalisation & Dental! Free flow snacks and drinks! Yay! Our little gratitude for your birthday, Festival gifts or red packets! Regularly volunteers, sports company activities! If you are a good fit, please come, click the 'Apply Now' button and JOIN US ! All personal information collected will be treated in strict confidence and used for recruitment purposes only.