OverviewAs 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:

Responsibilities

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.

Qualifications

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 and 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 and 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.

HomeServe Finance Limited are currently recruiting for an experienced Head of Credit Risk!

Location and CompensationLocation: 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. 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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