We are seeking an experienced and people‑focused individual to lead a high‑performing team responsible for settlements, aftercare, and collections within the RAC Finance Personal Finance Solutions team. This is a pivotal leadership role for someone who thrives on developing teams, improving outcomes, and balancing commercial results with exceptional member experience.

Key Responsibilities

Lead, coach, and empower a team responsible for settlements, aftercare, and collections within personal finance

Drive successful performance against KPIs through clear 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.

About You

You are a confident and empathetic leader with a proven ability to lead collections or credit‑focused teams. You bring a strong understanding of personal finance collections and are passionate about developing people while delivering results. You will have:

Tertiary qualification in credit management (Cert IV desirable).

Proven experience in personal finance, debt management, collections and retention strategies

A track record of coaching and developing teams to achieve sustainable performance

Excellent communication skills,



with the ability to lead difficult conversations confidently and fairly

In‑depth knowledge of the National Credit Code, privacy legislation, and financial hardship processes

Ability to role model strong leadership behaviours, resilience, and accountability in a fast‑paced environment

Why Join Us?

Be part of a values‑driven organisation committed to member satisfaction

Lead an established, purpose‑driven team with real impact on customer outcomes

Competitive salary and benefits package

Play a key role in shaping collections strategy and team culture

Opportunities for career progression and leadership development

Supportive environment that values ethical collections and high‑quality leadership

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.

RAC is a purpose‑led member organisation. Established in 1905, RAC has evolved into one of the most trusted organisations in the state, with more than 1.3 million members. At RAC we don’t have shareholders. That means we reinvest our profits for the better of our members and our State. Our Purpose is to be the driving force for a better WA. Our Vision to 2030 is to create a safer, sustainable and connected future for Western Australians. Our Mission is delivering outstanding member services and experiences, whilst inspiring positive community change that makes life better in WA.

For any assistance please contact

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📌 Manager - Personal Finance Solutions (Perth)
🏢 10FFA RAC Finance
📍 Perth