WeLab Bank - Senior Officer, Card Operations

Job description

WeLab, a leading pan-Asian fintech platform, operates two digital banks (WeLab Bank and Bank Saqu) as well as multiple online financial services in Hong Kong, Mainland China and Indonesia, with over 70 million individual users and over 700 enterprise customers. WeLab uses game-changing technology to help users access credit, save money, and enjoy their financial journey. At WeLab, we always put our people first. Embarking on a career with WeLab means being part of the driving force to make financial services accessible for everyone. In our flat and agile organization, you will get all the opportunities to make real impacts and deliver change. Most importantly, while you achieve greatness, we will ensure you have an amazing experience at WeLab! Our team is energetic and passionate who can deliver and execute, and we are looking for intellectually curious, open-minded, and smart-working individuals who are just as passionate as we are about making financial services enjoyable. Join us to build a better financial future for everyone! About You: You're a go-getter with mad juggling skills (or multiple hats) who can thrive in a fast-paced, agile environment You enjoy doing purpose-led and meaningful work You have a strong thirst for knowledge and are driven to find solutions that don't exist yet You are comfortable with ambiguity and extremely resourceful (in your past life, you could've been a detective) You always find a way to get things done without sacrificing the quality of your work, integrity, and values No task is off limits for you You are humble and prioritize the success of the team over your own with an eagerness to help those around you You don't shy away from challenges and can bounce back from setbacks About the role: We are looking for a detail-oriented Card Operations professional to support daily card settlement, reconciliation, chargeback handling, fraud alert review, BIN attack monitoring, reporting, and operational control activities. This role is suitable for candidates who are interested in banking operations, payment operations, card scheme processes, risk control, and process improvement in a fast-moving digital banking environment. What you’ll do and what success looks like: Card Settlement Operations : Support daily card operations, including card transaction settlement, card scheme settlement support, payment processing follow-up, exception handling, and operational issue escalation. Chargeback, Dispute & Fraud handling : Handle ad hoc card operational tasks, including card chargeback cases, customer dispute support, fraud alerts, suspicious transaction follow-up, BIN attack monitoring, and related incident handling. Reconciliation and reporting : Prepare operational reports and perform reconciliation to identify card settlement discrepancies, investigate root causes, follow up with internal and external parties, and ensure timely resolution with proper documentation. Compliance & Risk Management : Ensure all campaign activities adhere to relevant banking regulations, compliance policies, and data privacy standards. This includes documenting processes and maintaining audit trails. Process Improvement : Identify practical ways to streamline processes, reduce manual work, improve accuracy, and strengthen scalability. You will support enhancements that improve efficiency while reducing operational risk and maintaining strong controls. What we’re looking for: DSE, Form 7, Associate Degree, Higher Diploma, or above. Minimum 1–2 years of experience in card operations. Fresh graduates may also be considered for a junior level position. Familiarity with AI tools, automation, or workflow enhancement solutions, or a strong willingness to adopt AI-enabled ways of working to improve efficiency, accuracy, and operational effectiveness. Excellent communication and interpersonal skills Perks and Benefits to enrich your experience at WeLab: Learning and development stipend - we value lifelong learning and believe the best way to invest in our employees is to encourage them to continue to learn Wellness and happiness – Numerous activities to let you focus on your physical and mental wellbeing. We allow flexible time offs to take care of personal matters and to enjoy time with family and friends Comfortable and positive work environment – Open plan office for easy collaboration and social with your colleagues, or branch out into your own thinking pods when needed, with FREE food and drinks for when you want to recharge Work smart, play hard – Connect with your colleagues over food and drinks at the stocked pantry, in the spacious social area with board games and a ping pong table, or over activities like hiking, yoga, badminton, etc. A big and contagious smile on everyone’s face to make you happier :) WeLab’s Awards & Recognitions: Asia Banking Finance Retail Banking Awards: Virtual Bank of the Year - Hong Kong CNBC Disruptor 50: the only Hong Kong-based company on the list Financial Times Asia-Pacific High-Growth Companies: #2 in ranking The Chinese University of Hong Kong “Corporate Innovation Index”: #1 in ranking We offer a competitive salary package to the successful candidate. If you are interested in joining this exciting team, please apply with resume via the "Apply" button below. All information provided by applicants will be used for recruitment purposes only. Information of unsuccessful applicants will be destroyed within 24 months of receipt.