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Zhi Hao Loy has worked for several companies in various roles. In 2022, they were appointed as the General Counsel for Persistence. From 2016 to 2021, they were a Partner, Senior Associate, and Associate at Dentons Rodyk. In 2015, they were a Legal Associate at Allen & Gledhill LLP and a Practice Trainee at Drew & Napier LLC. In 2013, they were a Summer Intern (New York) at Duane Morris LLP. In 2012, they were a Judicial Marshal for the Hon. Mr. Justice Anselmo Reyes at The High Court of Hong Kong.

Zhi Hao Loy attended Anglo Chinese School (Independent) from 2002 to 2007, where they obtained an International Baccalaureate Diploma (IB). Zhi Hao then attended Singapore Management University from 2010 to 2014, where they obtained a LLB degree. In 2013, they also studied at the University of Illinois Urbana-Champaign, but did not receive a degree.