Risk Graduate Scheme - Birmingham

Cooper & Hall Limited; Birmingham; Hybrid; GBP 36,000 - 48,000; Full time

Job summary

Lloyds Banking Group operates a Risk Graduate Scheme based in the UK, offering three eight-month rotations across Credit & Customer, Analytics, Data & Modelling and Specialist Risk. The programme builds a broad, long-term risk career with industry-recognised qualifications.

The locations include Birmingham, Bristol, Edinburgh, Leeds, and London, with a hybrid working policy. Detailed training and mentoring support are provided to develop analytical and leadership skills.

Qualifications

• 2-year graduate scheme with three eight-month rotations.
• Exposure to credit risk, analytics, modelling and regulatory compliance.
• Training and certifications provided with costs covered.

Responsibilities

• Make smarter lending and risk decisions across rotations.
• Turn complex regulations into practical business processes.
• Collaborate with teams to manage operational risk.
• Use modelling to forecast financial performance.
• Contribute to payments tech and sustainability initiatives.
• Identify AI-driven opportunities to stay ahead of threats.

Skills

Analytical thinking

Problem solving

Education

Financial Risk Manager (FRM)

Global Credit Certificate

Chartered Banker Diploma

ICA Diploma in Governance, Risk and Compliance

Job description

Use the latest techniques and technologies to quantify, understand and optimise the risk of millions of customers and Help Britain Prosper.

Duration – 2 years

Salary – £42,000 plus fantastic benefits

Locations – Leeds, Edinburgh, Bristol, Birmingham and London. Mix office and home working with our hybrid working policy. The entire graduate scheme will be based in a single location.

Qualifications – A range of optional certifications and qualifications are available. Training and costs are all taken care of.

Be the reason we stay one step ahead

At Lloyds Banking Group, risk isn’t about hiding under the desk until the danger passes. It’s about spotting opportunities, protecting the people who count on us, protecting our business, and staying one step ahead.

Our Risk teams keep over 28 million customers safe. Identifying and mitigating the threats from global market instability to economic headwinds, from customer lending to economic crime. And on the Risk Graduate Scheme, you’ll be part of the team making sure we always play it smart.

Two years. Three high-impact rotations

Over this 2-year programme, you’ll complete three eight-month placements across different risk specialisms, giving you a broad, well-rounded foundation for a long-term career in risk. Think of it as a guided tour of the most fascinating and fast-moving corners of the risk world.

You could be delving into:

• Credit & Customer- analysing credit risk, understanding customer behaviour and shaping lending decisions.

• Analytics, Data & Modelling- using cutting-edge modelling techniques, data science and AI to predict and manage risk.

• Specialist Risk- diving deep into market, operational or insurance risk to solve challenges most people never even see.

As part of your journey, you’ll have the opportunity to pursue one of several industry-recognised qualifications aligned to your interests and career goals, including:

• Financial Risk Manager (FRM)

• Global Credit Certificate

• Chartered Banker Diploma

• ICA Diploma in Governance, Risk and Compliance

Whichever path you choose, you’ll gain the tools and experience to help us build a more secure financial future.

The kit you’ll have at your fingertips

This isn’t about staring at spreadsheets. You’ll be hands-on with:

• Robotics, cognitive computing and AI to automate, analyse and outsmart the bad stuff.

• Advanced forecasting tools to stress-test decisions.

• Regulatory frameworks like PRA and FCA compliance. Turning rules into real-world solutions.

• Projects in sustainability, climate risk, and GenAI. Shaping the future as well as protecting it.

Learn fast. Apply faster

We’re looking fornaturally curious mindswho see patterns others miss, who enjoy solving problems from every angle, and who can’t resist asking “what if?”. You’ll get the space to explorehow new technologies can transform risk management, and the freedom to experiment with them.

We’ll help yousharpen your analytical skillswhilebuilding the communication and relationship-building strengths you’ll need to influence and collaborate effectively across the business.

You’ll have:

• A mentor to guide you and challenge your thinking.

• Technical training and business skills development, so you can connect analysis to action.

• Platforms like Viva Learning and our Learning Management System to keep levelling up.

• A culture where curiosity is encouraged, and problem-solving is part of the job description.

The work you could be doing

• Making smarter lending decisions for millions of customers.

• Turning complex regulations into business processes that actually work.

• Partnering with teams to manage operational risk.

• Using modelling to forecast financial performance.

• Helping launch new payment tech and sustainability strategies.

• Finding ways AI can keep us a step ahead of fraud and cyber threats.

Your backstage pass to the UK’s risk network

• Birmingham- Economic Crime Prevention HQ, where strategy meets intelligence.

• Bristol- Modelling, forecasting and operational risk experts.

• Edinburgh- Specialists in Insurance, Pensions & Investments risk partnering.

• Leeds- Modelling, data, and decision-making at scale.

• London- Financial Markets risk, liquidity forecasting, Corporate Credit and Regulator engagement.

Your future, fully backed

You’ll earn a great salary while building skills every sector wants - from banking to fintech to consulting. By the end, you’ll be the person who can walk into any room, explain the risk, influence the outcome, and lead the way forward.

Requirements

What you need to apply

• While we do not require a minimum degree achievement, we strongly recommend the ability to be able to demonstrate sound knowledge, understanding and technical skills aligned to the role. Some aspects of this, alongside behaviours and values, will be assessed through the application process.

• Please note that we cannot sponsor visas

Locations

Choose from Bristol, Birmingham, Edinburgh, Leeds, and London. You’ll be based there throughout your programme. With our hybrid working policy, all colleagues are expected to spend a minimum of two days each week in the office. The entire graduate scheme will be based in a single location.

Opening and Closing date

Applications for Risk Graduate Scheme open on 10th September. London applications will close on 4th October, Edinburgh, Bristol and Birmingham will close on 25th October and Leeds will close on 8th November.

Our graduate schemes may close early if we receive a high number of applications, so it’s best to apply as soon as you can.