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- Tasks: Lead and shape the credit risk function across multiple countries.
- Company: Join HomeServe, a top provider of home services with a mission for sustainable efficiency.
- Benefits: Enjoy a competitive salary, bonuses, private medical care, and a matched pension.
- Why this job: Drive growth in a fast-paced environment while managing risk and leading a dynamic team.
- Qualifications: 10+ years in credit risk, with leadership experience and a relevant degree required.
- Other info: Opportunity for regular travel across Europe and to work with a diverse team.
The predicted salary is between 81000 - 135000 £ per year.
HomeServe Consumer Finance are recruiting for a Head of Credit Risk to join our expanding team!
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.
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.
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.
What We’re Looking For:
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.
Contact Detail:
HomeServe EMEA Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Head of Credit Risk
✨Tip Number 1
Network with professionals in the credit risk and consumer finance sectors. Attend industry conferences or webinars where you can meet potential colleagues or leaders from HomeServe. Building these connections can give you insights into the company culture and expectations.
✨Tip Number 2
Familiarise yourself with the latest trends in credit risk management, especially in the context of sustainable finance. Being able to discuss current challenges and innovations in this area during your conversations will demonstrate your expertise and forward-thinking approach.
✨Tip Number 3
Prepare to showcase your leadership experience by gathering specific examples of how you've successfully led teams in credit risk functions. Highlighting your ability to manage cross-functional projects will be crucial, as this role requires collaboration across various departments.
✨Tip Number 4
Research HomeServe's operations in the UK, Germany, Spain, and France. Understanding the nuances of each market will help you articulate how you can tailor credit risk strategies to fit different regulatory environments and consumer behaviours.
We think you need these skills to ace Head of Credit Risk
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights your relevant experience in credit risk and leadership roles. Emphasise your achievements in credit policy and portfolio monitoring, especially in international settings.
Craft a Compelling Cover Letter: Write a cover letter that showcases your strategic vision for the credit risk function. Mention specific examples of how you've successfully managed credit risk in previous roles and how you align with HomeServe's values.
Highlight Relevant Skills: In your application, clearly outline your proficiency in tools like Excel, SQL, and SAS. If you have experience with Python or knowledge of regulatory frameworks like FCA and GDPR, make sure to include that as well.
Showcase Leadership Experience: Detail your leadership experience, particularly in dynamic environments. Provide examples of how you've led teams and collaborated cross-functionally, as this is crucial for the Head of Credit Risk role.
How to prepare for a job interview at HomeServe EMEA
✨Showcase Your Leadership Experience
As a candidate for the Head of Credit Risk, it's crucial to highlight your leadership experience. Prepare specific examples of how you've successfully led teams in credit risk management and how you’ve driven strategic initiatives in previous roles.
✨Demonstrate Industry Knowledge
Familiarise yourself with the latest trends in credit risk, especially within the consumer finance sector. Be ready to discuss regulatory frameworks like FCA and GDPR, as well as your understanding of credit risk metrics and decisioning processes.
✨Prepare for Cross-Functional Collaboration Questions
Since the role involves working with various departments, think of examples where you've successfully collaborated with product, technology, or compliance teams. This will show your ability to thrive in dynamic environments and your communication skills.
✨Articulate Your Vision for Credit Risk Strategy
Be prepared to discuss your vision for the credit risk strategy across multiple countries. Think about how you would approach portfolio monitoring and risk mitigation, and be ready to share innovative ideas that align with HomeServe's mission.
