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- Tasks: Lead Credit Risk Analyst role focusing on modelling, reporting, and strategy in a dynamic team.
- Company: HomeServe EMEA provides home repair services across multiple countries, serving over 3.5 million customers.
- Benefits: Enjoy a salary up to £70,000, hybrid work, company car or cash allowance, and a 15% bonus.
- Why this job: Join a growing global finance business with opportunities for career growth and innovation.
- Qualifications: Degree in Maths, Physics, or Engineering; advanced coding skills; 2+ years in Credit Risk.
- Other info: Hybrid role with travel support and essential costs covered.
The predicted salary is between 42000 - 98000 £ per year.
HomeServe Consumer Finance are currently looking for a Lead Credit Risk Analyst to join our growing team!
Location: Hybrid – London (King’s Cross) & some travel to Leeds
Company: HomeServe EMEA
Job Type: Full-time
Salary and benefits: Up to £70,000, company car or £7,000 cash allowance, 6% matched pension, individual private medical and 15% bonus.
About HomeServe: HomeServe EMEA operates across multiple international markets, providing home repairs and improvement services. Acquired by Brookfield Infrastructure in 2023, we serve over 3.5 million customers and employ 6,000+ people across the UK, France, Belgium, Spain, Portugal, Germany, and Japan. With revenues reaching ~£1bn (FY23), we aim to become the leading European brand for home efficiency solutions.
The Opportunity: We are looking for a Lead Credit Risk Analyst to join our growing Credit Risk Team. This is an exciting opportunity to contribute to HomeServe’s newly established global Consumer Finance Business. This role has a broad remit and covers modelling, reporting, analysis, and strategy. You will also be expected to contribute to other Credit Risk projects and initiatives as required. This role would suit somebody from a modelling background with relevant experience of other aspects of Credit Risk. Hybrid role: Work from home with 2 days per week in our London office (King’s Cross). Occasional travel to Leeds. Essential travel costs covered.
Key Responsibilities:
- Own a suite of Credit Risk models – including application scorecards, PD models and IFRS9 / ECL models. Primarily existing models, but you should be able to build bespoke models from scratch when required.
- Ensure the timely delivery of routine and ad hoc Credit Risk reporting – this includes the production of monthly reporting for Credit Risk Committee.
- Ad hoc analysis – carrying out analysis and deep dives to understand emerging trends within our new lending and loan books, and making recommendations for change.
- Projects – represent Credit Risk on cross-team projects.
- Stakeholder management – you must be able to engage with and influence colleagues and stakeholders at all levels.
- Data Governance - Maintain data quality assurance and build a credit data dictionary.
What We are Looking For:
- A degree in Math’s, Physics, Engineering or similar.
- Advanced coding skills in SAS, SQL, or Python.
- 2+ years’ experience gained in a Credit Risk team for a retail lending business.
- Ability to work in a fast-changing environment with new teams and data structures.
- Strong presentation and communication skills.
- The ability to confidently manage stakeholders of all levels and present material at board level committees.
- Bonus: Fluency in Spanish, German, or French.
Why Join HomeServe? Be part of a rapidly growing global finance business. Work in a data-driven, innovative environment. Hybrid working with flexibility and travel support. Opportunities for career growth and future leadership.
Lead Credit Risk Analyst (City of London) employer: HomeServe EMEA
Contact Detail:
HomeServe EMEA Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Lead Credit Risk Analyst (City of London)
✨Tip Number 1
Familiarise yourself with the latest trends in credit risk modelling and analysis. Being well-versed in current methodologies will not only boost your confidence but also demonstrate your commitment to staying ahead in the field.
✨Tip Number 2
Network with professionals in the credit risk space, especially those who have experience in retail lending. Engaging with industry peers can provide valuable insights and potentially lead to referrals or recommendations.
✨Tip Number 3
Brush up on your coding skills in SAS, SQL, or Python, as these are essential for the role. Consider working on personal projects or contributing to open-source initiatives to showcase your technical abilities.
✨Tip Number 4
Prepare to discuss your stakeholder management experiences in detail. Think of specific examples where you successfully influenced decisions or communicated complex information to diverse audiences, as this is crucial for the role.
We think you need these skills to ace Lead Credit Risk Analyst (City of London)
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in credit risk analysis, particularly any modelling work you've done. Use keywords from the job description to demonstrate that you meet the essential criteria.
Craft a Compelling Cover Letter: Write a cover letter that showcases your passion for the role and the company. Mention specific projects or experiences that align with the responsibilities listed, such as your experience with application scorecards or stakeholder management.
Highlight Technical Skills: Emphasise your advanced coding skills in SAS, SQL, or Python in both your CV and cover letter. Provide examples of how you've used these skills in previous roles to solve problems or improve processes.
Showcase Communication Skills: Since the role requires strong presentation and communication skills, include examples of how you've effectively communicated complex information to stakeholders at various levels. This could be through presentations, reports, or team collaborations.
How to prepare for a job interview at HomeServe EMEA
✨Showcase Your Modelling Skills
As a Lead Credit Risk Analyst, you'll need to demonstrate your expertise in building and managing credit risk models. Be prepared to discuss specific examples of models you've developed or improved, and how they impacted decision-making.
✨Prepare for Stakeholder Engagement
This role requires strong stakeholder management skills. Think of instances where you've successfully influenced colleagues or presented complex information to non-technical stakeholders. Practise articulating these experiences clearly.
✨Understand the Business Context
Familiarise yourself with HomeServe's business model and the consumer finance landscape. Being able to relate your skills and experiences to their specific needs will show that you're genuinely interested in the role and the company.
✨Demonstrate Adaptability
Given the fast-changing environment mentioned in the job description, be ready to discuss how you've adapted to new challenges in previous roles. Highlight your ability to work with evolving data structures and teams.
