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 locationsFull Time | Senior LeadershipSalary : 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 pensionLead 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 and Education10+ 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 ToolsDeep 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 FitA 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.

#J-18808-Ljbffr