Head of Credit Risk
9 hours ago
London
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. TPBN1_UKTJ