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2 years


£42,000 plus benefits


We have multiple sites across the UK, with main hubs located in London, Edinburgh, Halifax, Leeds, Birmingham, Bristol.

Hybrid working means we can be flexible, working between home and a minimum of 2 days a week from one of our main hub offices.


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 26 million people across the UK

Protecting our 26 million customers has never been more important. We support people right across Britain, 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, cyber attacks and financial crime. And we’re looking for talented graduates to join us.

This is an exciting opportunity to learn the latest and most effective ways of modelling,  reporting on risk, and monitoring regulatory risks as you help protect our brands and customers. Along with interesting, varied work to get involved in, you’ll gain exposure to every corner of the Risk function – including our Credit Risk and Business Support units – setting you up with skills and experience essential to becoming a leader of the future. And the great news is, you don’t even need a business or finance degree.

Is our Risk graduate scheme for you?

Are you a naturally curious problem solver? Do you have an insatiable desire to further your skills and explore new technologies? If you can combine all this with an aptitude for numbers and building professional relationships, this is the scheme for you. It offers broad experience and will lay the foundations for a career that could take you in any number of directions.

Using intelligent methodologies 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. Sound exciting?

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What you'll learn on the Risk graduate scheme

Join us here, and over two years, you’ll complete four six-month placements – each focusing on a different aspect of our work.

You'll learn how we analyse and assess risk to forecast future performance. You’ll familiarise yourself with the frameworks that ensure we meet our regulatory requirements as well as combating fraud and financial crime. You'll get hands-on with sophisticated data modelling techniques that help us tease out the value in information. You’ll help product teams design and launch new products, including new payment technologies or new current accounts, with a focus on customer experience. On one placement, you’ll get to dive deeper into a particular area, such as sustainability and climate risk.

The experiences will be varied and always enlightening. Working in our Credit teams, for example, you’ll give risk advice on business lending and monitor the quality of our portfolios. You could also spend time in our Financial Crime Prevention and Regulatory Liaison teams. Together, they’ll give you a well-rounded view of risk management. So, by the end of the programme, you'll have everything you need to progress in your career as a future leader of our business.

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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
  • 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 fraud and financial crime

Is this for you?

What you need to apply

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


We have multiple sites across the UK, with main hubs located in London, Edinburgh, Halifax, Leeds, Birmingham, Bristol. Hybrid working means we can be flexible, working between home and a minimum of 2 days a week from one of our main hub offices.

Closing date

The closing date for applications is 13th January 2023. 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.

Explore all of our graduate schemes


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