Head of Credit Risk in North West London

About The Role

?? Head of Credit Risk
?? 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 Europes 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.

?? The Role
As Head of Credit Risk, youll 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 lifecyclefrom 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.

About The Candidate

? What Were Looking For
Experience & Education

• 10+ years in credit risk or lending, including 35 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.
• Bachelors 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.

?? Why Join Us?

• Be a part of a purpose-driven company enabling the green transition at home.
• Work with a collaborative team focused on innovation and impact.
• Hybrid working with flexible office/home arrangements.
• Travel opportunities across the UK and Europe (with costs covered).

About The Company

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, were on a mission to become Europes trusted leader in sustainable home efficiency. Backed by Brookfield Infrastructure, were scaling our consumer finance capabilities to meet growing demand for green home upgrades.