Credit Risk MI Manager

About The Role Credit Risk MI Manager - Shape Credit Risk Insight at HomeServe Finance London (Hybrid) | Up to £80,000 20% Bonus Company Car or £7,000 Car Allowance At HomeServe Finance, we help homeowners spread the cost of making improvements to their homes through responsible and regulated lending solutions. As part of the wider HomeServe Group, we're growing a business that helps customers make their homes more efficient, sustainable and affordable to run. We're now looking for a Credit Risk MI Manager who can turn complex data into clear, practical insight. Reporting to the Head of Credit Risk, you'll help us understand portfolio performance, spot emerging risks and give senior stakeholders the confidence to make well-informed decisions. This is a hands-on role with real influence, combining technical MI delivery with commercial insight and stakeholder engagement. What you'll be doing • Turning credit risk data into clear, useful MI and insight. • Analysing portfolio performance, arrears, defaults and recoveries to identify trends and emerging risks. • Producing high-quality reporting that supports senior stakeholders and informs business decisions. • Improving reporting processes, automation and data quality to make MI more accurate, efficient and valuable. • Helping the business identify opportunities to strengthen performance, manage risk and improve customer outcomes. • Working closely with colleagues across Credit Risk, Finance, Product, Operations and Technology. What we offer • Up to £80,000 salary • 20% annual bonus • Company car or £7,000 car allowance • 6% matched pension • Hybrid working (minimum of 2 days a week in the office) • Access to a wide range of additional benefits, wellbeing support and employee discounts About You What we're looking for We're looking for someone who is confident with data, curious about what it tells us, and comfortable explaining insight in a way that others can act on. • Strong SQL and Excel skills, with the confidence to work with large and complex data sets. • Experience producing Credit Risk MI, reporting and analysis within a lending environment. • Experience in retail lending, consumer finance or a similar regulated financial services setting. • Strong analytical skills, with the curiosity to understand what the data is really telling us. • The ability to explain insight clearly to senior stakeholders and influence better decisions. • A commercial mindset and a practical approach to improving reporting, insight and outcomes. Diversity & Inclusion At HomeServe Finance, we're committed to creating an inclusive workplace where everyone feels they belong. We welcome applications from all backgrounds and experiences because we know diverse perspectives make us stronger. If you're excited by this opportunity but don't meet every requirement, we'd still encourage you to apply. If you're a Credit Risk MI professional who enjoys turning data into decisions, we'd love to hear from you. About Us Why HomeServe Finance? HomeServe Finance is a growing part of the HomeServe Group, combining the backing of an established brand with the pace and opportunity of a developing business. You'll work with senior stakeholders, influence how we use credit risk insight and help shape reporting in a business with ambitious plans.c272c101-f45c-4783-b4a0-50ad222b87c0