Personal Finance Lead

Reporting to the Senior Manager of Personal Finance, you’ll act as the 2IC for the team, providing leadership support while maintaining strong ownership of lending activities. You’ll balance credit assessment, loan processing, policy and procedure governance, and people leadership, ensuring our lending practices are compliant, efficient and member focused.

This role is ideal for someone who enjoys being the go-to subject matter expert, confidently handling escalations and complaints, and leading improvements across lending processes.

What you'll be doing:

Act as the subject matter expert for document verification and lending scenarios

Own and continuously improve lending policies and procedures, ensuring they remain current, compliant and well documented

Assisting when needed to assess and approve personal loan applications and prepare loan documentation

Ensure adherence to NCCP, AML/CTF and KYC obligations

Support governance reporting, submissions and continuous improvement initiatives

Act as 2IC to the Personal Finance Manager, stepping in to lead the team as required

Coach, support and uplift team capability through 1:1s, call reviews and quality assessments

What You’ll Bring:

Cert IV in Credit Management or similar (Desired)

RG146 / Tier 2 Financial Services accreditation (Desired)

Proven experience in personal loan assessment (banking or finance essential)

Strong understanding of responsible lending obligations and the National Consumer Credit Act

Demonstrated experience writing, maintaining or improving policies and procedures

Proven ability to lead, coach and influence without direct reports

Experience handling escalations and complaints with confidence

Exceptional attention to detail and decision-making capability

Why RAC?

Better Journeys Begin at RAC. A career at RAC is more than just a job. We are passionate about our people, and we strive to create an environment that fosters their growth, our culture, and diversity and inclusion for all.

Our People are members first. Our people feel valued, respected and recognised

Be empowered to learn – professional career development and training provided

RAC recognise the value of flexible work

Generous discounts on home, contents and car insurance plus free roadside assistance

In-house Health and Wellness programs

Community Volunteering program

An established Diversity & Inclusion strategy

A very active Social Club - join one of the most active social clubs in Perth with over 900 members

If you’re ready to step into a role where your lending expertise, leadership capability and policy mindset truly make a difference, we’d love to hear from you.

Please note: We encourage you to apply as soon as possible, as RAC reserves the right to close this vacancy without notice. If you need any assistance with your application, please email [email protected]