Personal Finance Lead

RAC WA; Perth; On-site; AUD 120,000 - 160,000; Full time

Benefits offered by this job

Flexible work

Health & wellness programs

Insurance discounts

Roadside assistance

Volunteer program

Job summary

RAC WA in Perth seeks an experienced Lending Lead to shape capability within our Personal Finance team. This hands-on role balances credit assessment, policy governance and people leadership to deliver compliant, efficient lending that places members first.

Reporting to the Senior Manager, you’ll act as 2IC, mentor staff, handle escalations, and drive continuous improvement across lending processes while ensuring adherence to NCCP, AML/CTF and KYC obligations.

Qualifications

• Proven experience in personal loan assessment (banking or finance essential).
• Strong understanding of responsible lending obligations and the National Consumer Credit Act.
• 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.

Responsibilities

• 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.

Skills

Credit assessment

Policy governance

People leadership

Lending operations

Continuous improvement

Member advocacy

Escalation handling

Education

Cert IV in Credit Management

RG146 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 join 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.

About the Role

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.