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 Europe\'s 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, you\'ll 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 lifecycle-from 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 You
Experience & Education
* 10+ years in credit risk or lending, including 3-5 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.
* Bachelor\'s 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 Us
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, we\'re on a mission to become Europe\'s trusted leader in sustainable home efficiency. Backed by Brookfield Infrastructure, we\'re scaling our consumer finance capabilities to meet growing demand for green home upgrades.
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