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For Companies At a Glance
- 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 making a social impact on home finance.
- Qualifications: 10+ years in credit risk, with leadership experience and relevant degrees or certifications.
- Other info: Work 2 days in the office and travel to exciting locations like Germany and Spain.
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.
Head of Credit Risk employer: HomeServe EMEA
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 environments of the countries involved, particularly FCA regulations and GDPR compliance. This knowledge will not only enhance your understanding but also demonstrate your commitment to the role during discussions.
✨Tip Number 3
Showcase your leadership skills by discussing past experiences where you successfully led teams through change or implemented new strategies. Prepare examples that highlight your ability to work cross-functionally and drive results in a fast-paced environment.
✨Tip Number 4
Research HomeServe’s current credit risk strategies and recent developments in their consumer finance sector. Being well-informed about the company’s goals and challenges will allow you to tailor your conversations and demonstrate how you can contribute to their success.
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. Focus on achievements that demonstrate your ability to set and execute credit risk strategies, especially in international settings.
Craft a Compelling Cover Letter: In your cover letter, express your passion for sustainable finance and how your background aligns with HomeServe's mission. Mention specific experiences that showcase your success in credit policy and portfolio monitoring.
Highlight Relevant Skills: Emphasise your proficiency in tools like Excel, SQL, and SAS, as well as your understanding of regulatory frameworks such as FCA and GDPR. This will show that you are well-equipped for the technical aspects of the role.
Showcase Leadership Experience: Provide examples of your leadership style and how you've successfully managed teams in dynamic environments. Highlight your communication skills and ability to work cross-functionally, as these are key for the Head of Credit Risk position.
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, particularly in dynamic environments. This will demonstrate your capability to lead the growing team at HomeServe.
✨Understand the Regulatory Landscape
Familiarise yourself with relevant regulations such as FCA, GDPR, and IFRS 9. Be ready to discuss how these regulations impact credit risk strategies. Showing your knowledge in this area will reassure the interviewers of your expertise and readiness for the role.
✨Prepare for Cross-Functional Collaboration
Since the role involves working with various departments like product, technology, and compliance, think of examples where you've successfully collaborated across functions. This will illustrate your ability to work effectively in a cross-functional environment, which is essential for this position.
✨Demonstrate Strategic Thinking
Be prepared to discuss your approach to setting and executing credit risk strategies. Think about how you would apply your experience to drive growth while managing risk at HomeServe. This will show that you are not only a tactical leader but also a strategic thinker.
