Risk Graduate Scheme (Birmingham)

Lloyds Bank plc; Park Central; Hybrid; GBP 36,000 - 48,000; Full time

Benefits offered by this job

Mentor program

Technical training

Viva Learning platform

Job summary

Lloyds Bank plc offers a Risk Graduate Scheme that spans two years with three eight-month placements across risk specialisms, providing a broad foundation for a long-term career in risk.

You’ll gain industry-recognised qualifications and hands-on experience in cutting-edge analytics, data modelling, and regulatory frameworks while working in a hybrid model across multiple UK locations.

Qualifications

• Ability to demonstrate sound knowledge, understanding and technical skills aligned to the role.

Responsibilities

• Make smarter lending decisions for millions of customers.
• Turn complex regulations into business processes that actually work.
• Partner with teams to manage operational risk.
• Use modelling to forecast financial performance.
• Help launch new payment tech and sustainability strategies.
• Find ways AI can keep us a step ahead of fraud and cyber threats.

Job description

End Date Sunday 25 October 2026 Salary Range £42,000.

Job Description

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.

Over the 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.

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.

We’re looking for naturally curious minds who 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 explore how new technologies can transform risk management, and the freedom to experiment with them. We’ll help you sharpen your analytical skills while building 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

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.

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.

Please note that we cannot sponsor visas.

Opening and Closing date

Applications for Risk Graduate Scheme open on 10th September 2026. 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.

About the Employer

At Lloyds Banking Group, we're driven by a clear purpose; to help Britain prosper. Across the Group, our colleagues are focused on making a difference to customers, businesses and communities. With us you'll have a key role to play in shaping the future of financial services.

We keep your data safe. So, we'll only ever ask you to provide confidential or sensitive information once you have formally been invited along to an interview or accepted a verbal offer to join us which is when we run our background checks. We'll always explain what we need and why, with any request coming from a trusted Lloyds Banking Group person.

We’re focused on creating a values‑led culture and are committed to building a workforce which reflects the diversity of the customers and communities we serve. Together we’re building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.

With 320 years under our belt, we're used to change, and today is no different. Join us and help drive this change, shaping the future of finance whilst working at pace to deliver for our customers. Here, you'll do the best work of your career. Your impact will be amplified by our scale as you learn and develop, gaining skills for the future.