Risk Graduate Scheme Duration 2 years Salary £42,000 fantastic benefits Locations London, Leeds, Edinburgh, Bristol, Birmingham. 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 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 abroad, 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. Apply now! Applications are now open! Think big. Act bold. Were waiting for you to take the first step in joining Lloyds Banking Group where your ambition meets our opportunity.