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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 generous pension scheme.
- Why this job: Drive growth in a fast-paced environment while making a positive impact on home finance.
- Qualifications: 10+ years in credit risk, with leadership experience and a relevant degree required.
- Other info: Opportunity to work with a dynamic team and travel across Europe.
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.
- 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.
- 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 field, especially those who have experience in international markets like Germany, Spain, and France. Attend industry conferences or webinars to connect with potential colleagues and learn about the latest trends in credit risk management.
✨Tip Number 2
Familiarise yourself with the specific regulatory frameworks and compliance requirements in the countries where HomeServe operates. This knowledge will not only enhance your understanding of the role but also demonstrate your commitment to the position during discussions.
✨Tip Number 3
Prepare to discuss your leadership style and how you’ve successfully managed teams in dynamic environments. Highlight examples where you've driven change or improved processes within credit risk functions, as this will resonate well with the senior leadership team.
✨Tip Number 4
Stay updated on the latest tools and technologies used in credit risk analysis, such as SQL, SAS, and Python. Being able to speak confidently about how you can leverage these tools to improve credit decisioning will set you apart from other candidates.
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, particularly in consumer finance.
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, especially in international settings.
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: Demonstrate your leadership capabilities by providing examples of how you've led teams in dynamic environments. Highlight your communication skills and ability to work cross-functionally, as these are key for the 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 Your Knowledge of Regulatory Frameworks
Familiarise yourself with relevant regulations such as FCA, GDPR, and IFRS 9. Be ready to discuss how these frameworks impact credit risk strategies and how you've navigated compliance in your past positions.
✨Prepare for Technical Questions
Expect technical questions related to credit risk metrics and decisioning. Brush up on your knowledge of tools like Excel, SQL, and SAS, and be prepared to discuss how you've used these tools to analyse credit portfolios.
✨Align with Company Values
HomeServe values Courage, Persistence, and Integrity. Think of examples from your career that demonstrate these values, and be ready to articulate how you embody them in your professional life.
