Personal Finance Lead

Royal Automobile Club of WA Inc.; Perth; Hybrid; AUD 120,000 - 160,000; Full time

Benefits offered by this job

Flexible work options

Training and career development

Insurance discounts

Free roadside assistance

Health and wellness programs

Community volunteering

Diversity & Inclusion program

Active social club

Job summary

Royal Automobile Club of Western Australia invites an experienced Lending Lead to shape capability within the Personal Finance team. You will drive policy governance, balance credit assessment with member outcomes, and act as the 2IC to the Personal Finance Manager.

A hands-on leader comfortable with escalations and process improvements is essential. You will oversee lending operations, develop others, and ensure compliant, efficient, member-focused practices while maintaining a strong emphasis

Qualifications

• Proven experience assessing personal loan applications and understanding responsible lending obligations.
• Experience writing, maintaining or improving lending policies and procedures.
• Ability to lead, coach and influence without direct reports.
• Strong attention to detail and sound decision-making abilities.

Responsibilities

• Act as SME for document verification and lending scenarios.
• Own and continuously improve lending policies and procedures; ensure they are current and well documented.
• Assist in assessing and approving personal loan applications and preparing loan documentation.
• Ensure adherence to NCCP, AML/CTF and KYC obligations.
• Support governance reporting and continuous improvement initiatives.
• Act as 2IC to the Personal Finance Manager and lead the team when required.
• Coach, support and uplift team capability through 1:1s and quality assessments.

Skills

Personal loan assessment

Policy writing

Leadership

Escalations

Responsible lending

Attention to detail

Cert IV in Credit Management

RG146 / Tier 2 Accreditation

Job description

Are you an experienced lending professional, ready to step into a lead role where you can shape capability, influence policy, and deliver outstanding member outcomes? RAC Finance are looking for a Lending Lead to joining our Personal Finance team, playing a pivotal role in our Personal Finance team. This is a hands-on opportunity for someone who thrives in lending operations, enjoys developing others, and has a passion for continuous improvement and member advocacy.

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

RAC is an equal opportunity employer.

We continue to build an inclusive workplace where we respect and celebrate differences.

We encourage applications from diverse groups including Indigenous and Torres Strait Islander people, physical ability, all ages, LGBTQI+ identities, all languages and diverse cultures and backgrounds.