Head of Credit Risk
- London
- £135,000 per year
- Permanent
- Full-time
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 pensionLead 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.The RoleAs 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.
- 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.
- 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.
- 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.
- 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).