Lead Credit Risk Analyst (, , United Kingdom)

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