About The Role HomeServe Finance Limited are currently recruiting for an experienced Head of Credit Risk! Location : Commutable to London (2 days in the office) and regular travel to our UK, German, Spanish and French locations Full Time | Senior Leadership Salary : Up to £135,000 with excellent benefits such as 25% bonus potential, car or £8,500 cash allowance, private medical care for you and your family and a 10% matched pension Lead the future of sustainable home finance at one of Europes top home services companies. HomeServe Consumer Finance is seeking a strategic and forward-thinking Head of Credit Risk to lead and shape the credit risk function of our growing consumer finance business. Operating across the UK, Germany, Spain and soon France, this is a unique opportunity to drive growth while managing risk in a fast-paced, high-impact environment. The Role As Head of Credit Risk, youll be a key member of the HomeServe Finance senior leadership team. Reporting to the CEO of Consumer Finance, you will: Set and execute our credit risk strategy across UK, Germany, Spain, and France. Own the entire credit lifecyclefrom acquisition to collections. Define credit policies and oversee governance structures. Lead a growing team of credit risk professionals. Monitor portfolio quality and develop risk mitigation strategies. Work cross-functionally with product, technology, compliance, and finance. Represent credit risk to funding partners, including Barclays Capital Markets. About The Candidate Experience & Education 10 years in credit risk or lending, including 35 years in senior leadership. Proven success in credit policy, portfolio monitoring, and regulatory compliance. Extensive experience with retail consumer finance, especially point-of-sale loans. Bachelors degree in a relevant field (e.g., Finance, Economics) essential. Master's degree or certifications (FRM, PRM, CFA) preferred. Experience running credit functions abroad (Germany, Spain, France etc.) is a bonus. Skills & Tools Deep understanding of credit risk metrics and decisioning. Proficiency in Excel, SQL, SAS; Python is a plus. Knowledge of FCA, GDPR, IFRS 9, and industry risk frameworks. Leadership & Culture Fit A natural leader who thrives in dynamic, cross-functional environments. Strong communicator, able to convey complex credit topics clearly. Aligned with our values of Courage, Persistence, and Integrity. Why Join Us? Be a part of a purpose-driven company enabling the green transition at home. Work with a collaborative team focused on innovation and impact. Hybrid working with flexible office/home arrangements. Travel opportunities across the UK and Europe (with costs covered). About The Company HomeServe is a leading international provider of home repairs, energy efficiency solutions, and residential infrastructure services. With revenues of ~£1bn, operations in 7 countries, and over 6,000 employees, were on a mission to become Europes trusted leader in sustainable home efficiency. Backed by Brookfield Infrastructure, were scaling our consumer finance capabilities to meet growing demand for green home upgrades.