Risk Graduate Scheme (Leeds)

Lloyds Bank plc; Leeds; Hybrid; GBP 38,000 - 46,000; Full time

Benefits offered by this job

Mentor guidance

Technical training and business skills

Hybrid working policy

Viva Learning access

Job summary

Lloyds Bank plc is offering a Risk Graduate Scheme in Leeds with a two-year programme consisting of three eight-month placements across risk specialisms. You will gain hands-on experience in credit risk, analytics, modelling, and regulatory risk while pursuing industry-recognised qualifications.

The programme emphasises mentorship, technical training, and early exposure to multiple risk domains, with a hybrid working policy and opportunities to work across major UK locations.

Qualifications

• There is no minimum degree requirement; ability to demonstrate sound knowledge, understanding and technical skills aligned to the role will be assessed through the application process.

Responsibilities

• Participate in three eight-month rotations across different risk specialisms.
• Develop understanding of credit risk, analytics and modelling, and regulatory risk.
• Pursue industry-recognised qualifications such as FRM, Global Credit Certificate, Chartered Banker Diploma, and ICA Diploma in Governance, Risk and Compliance.

Job description

End Date Sunday 08 November 2026

Salary Range £42,000

Job Description Summary

Prior to submitting your application, please visit our early careers website to find out more about the schemes we offer and the recruitment journey: www.lloydsbankinggrouptalent.com. 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.

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.

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 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

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 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.

We want everyone to feel they belong and can be their best, regardless of background, identity, or culture.

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.

Should you need help or want to ask a question, please contact us at [e-mail]

Learn about the Group and our culture and values on our talent website Home – Lloyds Banking Group Talent or visit our Instagram to keep up-to-date @LBGearlytalent