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.
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.
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]
Skills Required
- Cert IV in Credit Management or similar
- RG146 or Tier 2 Financial Services accreditation
- Proven experience in personal loan assessment within banking or finance
- Strong understanding of responsible lending obligations and the National Consumer Credit Act
- Experience writing, maintaining, or improving policies and procedures
- Ability to lead, coach, and influence without direct reports
- Experience handling escalations and complaints
- Exceptional attention to detail and decision-making capability
What We Do
At RAC we offer career opportunities that will allow you to give back and make a difference to our members and the WA community. We pride ourselves on employing the highest calibre of people to meet our member’s needs. RAC promotes healthy living and aims to protect health and safety of employees, members and visitors. RAC has been a part of the West Australian community since 1905. We are unique organisation, built by members for members. From our origins as a motoring club, we have grown to a diverse organisation of over 1,400 employees serving more than 1 million members with a range of products and services. RAC’s difference is that we are a membership organisation, which means we don't have shareholders and we reinvest our profits for the better of our members and the WA community. House rules: We really enjoy receiving your feedback, comments and experiences and enjoy getting the most out of our LinkedIn community. With this in mind, we ask that you stick to the following guidelines: • Please be polite to other RAC LinkedIn users and treat each other as you would like to be treated. • Please don’t give out any personal information. • We cannot allow any inappropriate or offensive language. • Advertising, spam, selling and links to external shopping sites are not allowed here and will be removed. • If you want to post a link to another site to illustrate your point, please do not link to sites that require registration in order to view, or any site that prompts an automatic download as these comments will be removed. • Page admins and the RAC LinkedIn community must be able to easily understand your message. For this reason we can't allow messages which are written in code or a language which isn’t English. • We reserve the right to de-tag RAC from any posts or photos that we deem inappropriate. • Please note that repeat offenders may be reported and will be blocked from the LinkedIn page
