Head of Personal Finance Settlements & Collections

RAC WA; Perth; On-site; AUD 140,000 - 180,000; Full time

Job summary

RAC WA in Perth leads a high‑performing team responsible for settlements, aftercare and collections within the RAC Finance Personal Finance Solutions group. You will guide the end‑to‑end member journey, ensuring a strong focus on compliant practices and positive member experiences.

As a confident and empathetic leader, you will develop teams, balance commercial outcomes with member satisfaction, and drive a culture of accountability and high performance.

Qualifications

• Strong leadership to manage settlements, aftercare and collections within personal finance.
• Proven experience in personal finance, debt management, and retention strategies.
• Track record of coaching teams to achieve sustainable performance.
• Excellent communication, with capability to lead difficult conversations.
• Knowledge of the National Credit Code, privacy legislation, and hardship processes.
• Role model for resilience, accountability in a fast-paced environment.

Responsibilities

• Lead and coach a team responsible for settlements, aftercare, and collections within personal finance.
• Drive performance against KPIs through strategy, data-driven decision-making, and effective leadership.
• Foster a strong coaching culture, with regular feedback, performance reviews, and development plans.
• Ensure best-practice collections approaches that balance member outcomes with commercial objectives.
• Drive delinquency management strategies, including arrears control and hardship applications.
• Ensure compliance with relevant legislation, policies, and responsible lending and collections frameworks.
• Champion continuous improvement initiatives and contribute to RAC Finance’s strategic goals.

Skills

Leadership

Coaching

Collections knowledge

Data-driven decision making

Communication skills

Customer experience focus

Education

Credit management qualification (Cert IV desirable)

Job description

RAC WA in Perth leads a high‑performing team responsible for settlements, aftercare and collections within the RAC Finance Personal Finance Solutions group. You will guide the end‑to‑end member journey, ensuring a strong focus on compliant practices and positive member experiences.

As a confident and empathetic leader, you will develop teams, balance commercial outcomes with member satisfaction, and drive a culture of accountability and high performance.