RAC has an exciting opportunity for a Commercial Manager – Regulatory Transformation & Consumer Duty to join our Consumer business. This role offers significant opportunity to influence how regulatory expectations are embedded into one of RAC’s largest and most complex areas, ensuring strong commercial outcomes are delivered alongside excellent customer outcomes.
This is a high-profile, fast-paced role sitting at the intersection of regulation, transformation and commercial delivery. Working closely with senior stakeholders across Consumer, Product, Change and Risk, you’ll help shape how Consumer Duty and conduct risk considerations are applied in a practical, proportionate way, enabling progress rather than slowing it down.
This is not a traditional, first-line governance role. You’ll be embedded in decision-making as it happens, providing confident challenge, commercial judgement and credible influence in the room.
If you enjoy operating at pace, influencing senior stakeholders, and guiding the business toward better outcomes through insight and pragmatism rather than process alone, this role offers a compelling next step in your career.
What You’ll Do
Regulatory Transformation & Consumer Duty
• Act as a trusted Consumer Duty advisor across the division, embedding yourself in day-to-day decision-making and key forums
• Provide effective challenge to teams designing products, customer journeys and communications, ensuring good customer outcomes and alignment to target markets
• Own and manage the customer understanding testing plan, ensuring testing activity is proportionate, targeted and insight-led
• Analyse testing outcomes to identify themes, trends and opportunities to improve customer experience and reduce conduct risk
• Stress-test proposed approaches and solutions with the business, helping teams refine thinking before decisions are finalised
• Operate confidently across multiple change and transformation initiatives, adapting to shifting priorities while maintaining delivery standards
• Balance constructive challenge with pragmatic support to enable commercial progress
Governance, Risk & Assurance
• Review policies, processes and initiatives to identify Consumer Duty and conduct risks, providing commercially pragmatic recommendations
• Oversee breaches and issues, conducting root cause analysis and supporting timely, effective remediation
• Maintain robust governance, management information and evidence to demonstrate compliance and protect the business
• Own and manage Consumer Duty and conduct risk logs, ensuring risks are clearly articulated, prioritised and escalated appropriately
Leadership, BAU & Delivery
• Produce and coordinate high-quality executive and Board-level packs, distilling complex information into clear, decision-focused insight
• Manage the book of work across BAU, change and continuous improvement initiatives
• Line manage one direct report, supporting their development, delivery and confidence
• Shape consistent and effective ways of working across BAU and change
What You’ll Bring
Skills, Knowledge & Experience
• Strong working knowledge of FCA Consumer Duty and conduct risk within UK financial services
• Experience operating in fast-moving consumer environments with high volumes and frequent change
• Proven ability to engage, influence and negotiate with senior stakeholders, bringing them with you through reasoned argument and evidence
• Experience reviewing risk and regulation in commercial or change-led environments
• Ability to produce clear, concise executive-level reporting and MI
• Strong attention to detail while maintaining momentum in a fast-paced setting
Personal Attributes
• Resilient and adaptable, comfortable managing competing priorities
• Commercially minded with a practical, proportionate approach to regulation
• Confident, credible and comfortable providing challenge at senior levels
• Highly organised, outcome-focused and accountable
• Customer-centric with a strong sense of ownership for outcomes
Location | Working Pattern | Salary
This role follows a hybrid model, with required office attendance at our Bradley Stoke, Bristol office on Tuesdays and Wednesdays.
Salary aligned with market and experience.
As a Commercial Manager at RAC, you’ll enjoy benefits that go the extra mile
Earnings That Motivate
Enjoy a competitive salary plus automatic enrolment in our Owning It Together Colleague Share Scheme, giving you a unique opportunity to share in RAC’s future success.
Tools to Drive Your Future
Get started with a free RAC Ultimate Complete Breakdown Service from day one, plus access to a car salary sacrifice scheme (including electric vehicles) after 12 months.
Time Off That Matters
Enjoy 25 days annual leave, plus bank holidays, along with paid family leave and flexible working.
Financial Security & Perks
Pension with up to 6.5% matched contributions and life assurance of 4× salary.
Wellbeing That Works for You
24/7 confidential wellbeing support for you and household members aged 16+.
Extras That Make a Difference
Access Orange Savings and, after probation, automatic entry to the Colleague Share Scheme.
Why RAC?
For more than 128 years, we’ve been keeping drivers moving, and today we’re trusted by over 15 million members. With a 4.5-star Glassdoor rating, RAC is a place where support, ambition and opportunity go hand in hand.
Ready to Apply?
If you’re excited about shaping how Consumer Duty is embedded into real-world commercial decision-making, we’d love to hear from you!