Settlements Representative Location: Scoresby, VIC.

Employment Type: Permanent & Max-Term Opportunities Available.

Work Arrangement: Hybrid, with a rotating roster across Monday - Sunday.

Toyota Finance

Australia (TFA) is the country’s largest automotive financier. Our past gives us credibility and knowledge. It’s not just about technology but what it can do for people.

In Australia we have two separate businesses: Toyota Motor Corporation Australia (TMCA) and Toyota Finance Australia (TFA). While we work closely together, TMCA focuses on vehicles and here at Toyota Finance Australia our priority is to provide finance, insurance and fleet management. At TFA we’re committed to empowering our customers to get into their recent car and onto the road.

About the Role The Settlements & Pre-Verification team plays a central role in ensuring the efficient processing and accuracy of all customer applications. We are responsible for verifying and finalising settlements, maintaining compliance with regulatory standards and managing all related documentation and workflows. By streamlining processes and delivering timely results, we support both our dealer network and customers, ensuring a seamless and reliable experience at every stage of a fleet and retail contract.

As a Pre-Verification and Settlements Representative, you will actively engage with the Dealership network to ensure all proposed loan contracts adhere to TFA policy prior to their settlement. This includes the verification of customer information such as, but not limited to, customer identity, income calculations, expense verification, capacity assessments and privacy checks. Once the proposed loan is deemed to adhere to TFA policy, the Settlement Representative will then process and activate the contract.

The Representative will also be responsible for disbursing funds to the relevant dealership or supplier of the vehicle. The role offers excellent exposure to lending processes and provides a strong foundation for future career opportunities in lending and credit.



The Settlements team operates between the hours of 8:00am to 10:00pm Monday to Friday and 8:00am to 6:00pm Saturday to Sunday on a rotating roster, with the expectation that successful applicants have availability during these times.

We offer a hybrid work model, with team members generally attending the office 2‑3 days per week, along with additional face‑to‑face training and development activities as required.

What Your Journey Will Look Like

We invest heavily in setting our people up for success.

Your onboarding experience includes: 2 weeks of classroom‑based training covering our products, systems, and processes (with full onsite attendance required). 4‑6 weeks of ongoing coaching and support to embed your knowledge and build confidence in the role. We will also work with you to build a tailored development plan that supports your career aspirations and provides pathways into other opportunities across Toyota Finance Australia. What You’ll Be Doing - Accurately comply, check and verify all retail loan documentation.

- Complete all ‘Settlement’ and ‘Post Settlement’ activities as required.
- Assist with the verification of a customer situation including income and employment checks, expenses, capacity assessments, credit checks, rental references and relevant searches (which may include ASIC, ABN, Veda, Vevo).
- Ensure compliance and adherence to external legislation such as the Competition & Consumer Act, Privacy Act, National Consumer Credit Protection Act and Anti‑Money Laundering & Counter‑Terrorism Financing Act.
- Ensure compliance with the Personal Property Security Register. What You’ll Receive - Monthly coaching sessions.




- Regular team meetings and collaborative learning opportunities.
- Ongoing support from a highly engaged leadership team. What We’re Looking For We’d love to hear from you, even if you don’t meet every requirement. We value diverse experiences and backgrounds, knowing that different perspectives help us create better solutions for our customers.
- Previous experience in a retail lending/settlement role (preferred).
- Previous exposure to asset finance (preferred).
- Understanding of AML/CTF policies (preferred).
- Experience working with dealerships (preferred).
- Awareness of the purpose and PPS register and Competition & Consumer Act (preferred).
- High level of attention to detail (mandatory).
- Strong ability to verify data quickly (mandatory).
- Experience in a high volume, heavily regulated processing environment (mandatory).
- Strong customer service skills (mandatory).
- Ability to work flexible rotating roster (mandatory). What’s In It For You - Hybrid working arrangements.
- 26 weeks paid primary carer’s leave and 8 weeks paid secondary carer’s leave.
- Discounted novated‑style vehicle leasing with the opportunity to drive a new Toyota every 11 months.
- Discounted vehicle purchase programmes for you and your family.
- Internal mobility and job rotation opportunities.
- Discounted private health insurance.
- Employee Assistance Programme and mental health support services for you and your family.
- Annual salary reviews and performance‑based reward opportunities.
- State‑based social clubs and employee events.
- Flexible “dress for your day” approach.
- Modern office facilities, collaborative workspaces, premium coffee options, recreational areas and wellbeing spaces. Ready to Build Your Career With Toyota Finance Australia? If you’re passionate about helping customers, enjoy working in a supportive team environment, and are looking for a long‑term career opportunity with one of Australia’s leading automotive finance providers, we’d love to hear from you.

📌 Settlements Representative (City of Knox)
🏢 Toyota Finance Australia
📍 City of Knox