Risk Graduate Scheme London

Lloyds Bank; Greater London; Hybrid; GBP 42,000 - 49,000; Full time

Job summary

A leading bank in the UK is offering a Risk Graduate Scheme to develop skills in risk management across three placements. The program emphasizes analytical thinking, problem-solving, and technology use in assessing risk. Successful candidates will work on smart lending decisions, utilize AI, and gain opportunities for industry-recognized qualifications. Applicants should demonstrate a solid understanding of risk concepts and be ready to collaborate within diverse teams.

Benefits

Generous pension contribution of up to 15%

Annual bonus based on performance

Share schemes including free shares

Adaptable lifestyle benefits

28 days holiday plus bank holidays

Wellbeing initiatives and generous parental leave

Qualifications

• Strong knowledge of risk management concepts.
• Clear communication skills for collaborative projects.
• Technical skills aligned with risk analysis and decision-making.

Responsibilities

• Engage in three rotations across various risk specialisms.
• Utilize advanced technologies like AI and data science to manage risk.
• Prepare financial forecasts and assess lending decisions.

Skills

Analytical thinking

Problem-solving

Adaptability

Curiosity

Communication

Job description

End Date

Sunday 26 October 2025

Salary Range

42000

Before you start your application please note alternative formats are available on request. Please contact us by emailing or calling on 0. If emailing please tell us how you would like us to respond – we can email back or call you to discuss any requirements or concerns you might have. We will get back to you as soon as we can but during busy times it might take up to 5 working days (Dont worry this wont affect your progress in the application process)

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 : .

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

If you have any questions please do contact the team at

Job Description

Be the reason we stay one step ahead

At Lloyds Banking Group risk isnt about hiding under the desk until the danger passes. Its 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 youll be part of the team making sure we always play it smart.

Two years. Three high-impact rotations

Over this 2-year programme youll 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 youll 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 youll gain the tools and experience to help us build a more secure financial future.

The kit youll have at your fingertips

This isnt about staring at spreadsheets. Youll 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

Were looking for naturally curious minds who see patterns others miss who enjoy solving problems from every angle and who cant resist asking what if. Youll get the space to explore how new technologies can transform risk management and the freedom to experiment with them.

Well help you sharpen your analytical skills while building the communication and relationship-building strengths youll need to influence and collaborate effectively across the business.

Youll 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 UKs 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 and regulator engagement.

Your future fully backed

Youll earn a great salary while building skills every sector wants – from banking to fintech to consulting. By the end youll be the person who can walk into any room explain the risk influence the outcome and lead the way forward.

Benefits

We also offer a wide-ranging benefits package which includes :

• A generous pension contribution of up to 15%
• An annual bonus award subject to Group performance
• Share schemes including free shares
• Benefits you can adapt to your lifestyle such as discounted shopping
• 28 days holiday with bank holidays on top
• A range of wellbeing initiatives and generous parental leave policies

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.
• We are unable to offer sponsorship for this programme and you must have full unlimited right to work in the UK.

Locations

Choose from Bristol, Birmingham, Edinburgh, Leeds and London.

Youll 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 24th September 2025.

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

How to apply

Our application process is designed to help you shine. We want everyone to feel they belong and can be their best regardless of background identity or culture.

Find details including stages and tips for success on our how to apply page.

At Lloyds Banking Group were 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 youll have a key role to play in shaping the financial services of the future whilst the scale and reach of our Group means youll have many opportunities to learn grow and develop.

We keep your data safe. So well 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. Well always explain what we need and why with any request coming from a trusted Lloyds Banking Group person.

Were 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 were building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.

Key Skills

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Employment Type: Full-Time

Experience: years

Vacancy: 1