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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 a relevant degree.
- Other info: Work 2 days in the office and travel to exciting European locations.
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 seeking opportunities to lead projects or initiatives within your current role. Highlight any experience you have in managing teams or cross-functional collaborations, as this is crucial for a senior leadership position.
✨Tip Number 4
Prepare to discuss your strategic vision for credit risk management in a growing consumer finance business. Think about how you would approach setting credit policies and mitigating risks while driving growth, as this will be key in interviews.
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 extensive experience in credit risk and leadership roles. Focus on specific achievements that demonstrate your success in credit policy and portfolio monitoring, especially in retail consumer finance.
Craft a Compelling Cover Letter: Write a cover letter that showcases your strategic vision for the credit risk function. Mention your experience with international markets, particularly in Germany, Spain, and France, and how it aligns with HomeServe's goals.
Highlight Relevant Skills: In your application, emphasise 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 Qualities: Demonstrate your leadership skills by providing examples of how you've successfully led teams in dynamic environments. Highlight your ability to communicate complex topics clearly and your alignment with HomeServe's values of Courage, Persistence, and Integrity.
How to prepare for a job interview at HomeServe EMEA
✨Showcase Your Leadership Experience
As a candidate for the Head of Credit Risk position, 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 policies and how you've navigated compliance in your past roles.
✨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 finance teams. Highlight your communication skills and ability to convey complex credit topics clearly.
✨Understand the Company’s Vision and Values
Research HomeServe's mission and values, particularly their focus on sustainable home efficiency. Be prepared to discuss how your personal values align with theirs, especially around Courage, Persistence, and Integrity.
