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2 years



Plus a great range of benefits


Placements will be based across our main hubs in Birmingham, Bristol, Cardiff, Chester, Edinburgh, Halifax, Leeds and London. In all locations, you can work from home up to three days a week.


People are our priority. Our focus is always on supporting their empowerment, career progression, learning and development. This includes helping you achieve a professional qualification in Risk management.

Help us protect our 30 million customers across the UK

Protecting our customers has never been more important. We support people right across the UK, from individuals and small businesses through to large corporates, including many FTSE 100 companies. They trust us because our Risk teams are leading the way in identifying threats like market instability, high levels of customer debt and economic crime.

Join our graduate scheme for an exciting opportunity to learn the latest and most effective ways of modelling, monitoring and reporting risks to help protect our Group and our customers. Alongside varied work to get involved in, you’ll also gain experience in multiple risk disciplines – such as the credit teams who managed £450bn of lending in 2022– setting you up with skills and experience essential to becoming a future Risk Manager.

Is our Risk graduate scheme for you?

We’re looking for people who think outside the box, so you don’t need a particular degree to join us. As long as you are naturally curious, a keen problem solver, and have an insatiable desire to further your skills and explore new technologies, we want to hear from you. And all the better if you can combine this with an aptitude for numbers and building relationships.

Using intelligent methods and a host of sophisticated technologies – including robotics and cognitive computing – the work we do in Risk is all about helping colleagues across the Group make the right decisions for our customers. This scheme offers broad experience and will lay the foundations for a thriving career that could take you in any number of directions. Sound exciting?

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What you'll learn on the Risk graduate scheme

Over two years, you’ll complete multiple placements, each focusing on a different aspect of our work.

You could be learning how we analyse and assess risk to forecast future performance, or familiarising yourself with the frameworks that ensure we meet our regulatory requirements. Some Risk teams get hands-on with sophisticated data modelling techniques that help us tease out the value in information. While others help design and launch new products, including new payment technologies or new current accounts, with a focus on customer experience.

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Working in our Credit teams, for example, you might give risk advice on business lending and monitor the quality of our portfolios. Or on one placement, you could get to dive deeper into a particular area, such as sustainability or climate risk.

The experiences will be varied and enlightening. And together, they’ll give you a well-rounded view of risk management. By the end of the programme, you'll have everything you need to progress in your career.

The work you could be doing

  • Getting to grips with everything Credit Risk – assessment, sanctioning, monitoring, modelling, reporting and stress testing
  • Exploring emerging risks brought about by global events, such as climate change, sustainability goals and advances in technology
  • Working to maintain relationships with our regulators, the PRA and FCA
  • Challenging our risk appetite framework of limits and controls, policies and governance across various risks, testing them against agreed standards
  • Considering transformations that simplify processes, automate decisions or improve data insights using robotics and artificial intelligence
  • Assessing our wide range of products and asset classes, while ensuring the accuracy of our front office pricing models
  • Working to design and launch new products and propositions, aligning with the necessary rules and agreeing what data and management information we’ll need to monitor its performance
  • Helping to protect our customers and business from economic crime

Is this for you?

What you need to apply

A 2:2 degree or above in any discipline from any university.


Placements will be based across our main hubs in Birmingham, Bristol, Cardiff, Chester, Edinburgh, Halifax, Leeds and London. In all locations, you can work from home up to three days a week.

Closing date

Applications for this scheme have now closed - if you would like to receive updates, please register your interest.

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.

The application process

Our application process is designed to give all candidates the opportunity to excel. You’ll find everything you need to know, including stages of the process and tips to help you succeed, on our how to apply page.

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

Explore all of our graduate schemes


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