Consumer Relationships Graduate Scheme

End Date

Sunday 14 December 2025

Salary Range

£42,000

Before you start your application, please note alternative formats are available on request. Please contact us by emailing or calling on 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 (Don't worry, this won't 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 it's best to apply as soon as you can.

If you have any questions, please do contact the team at

Job Description

Where customer insight meets big impact

Consumer banking is changing fast – and we want grads who can change it with us.

The Consumer Relationships Graduate Scheme is designed to develop our next generation of product leaders – curious thinkers, data explorers and customer-first creators who can turn insight into innovation. You'll learn how products are built, launched and evolved to meet changing customer needs. And you'll do it all on real projects that impact millions of people, seeing your ideas move from whiteboard to launch day.

This programme is one of two Consumer Banking graduate routes at Lloyds Banking Group. If you're more excited by Consumer Lending – mortgages, loans, cards and car finance – be sure to explore that programme too before you apply.

Two years. Three big rotations.

Over two years, you'll take on three placements across Consumer Relationships – the biggest division in the Group. Each rotation will sharpen your expertise and broaden your impact:

• Digital Engagement – design, deliver and optimise digital customer interactions across our app, desktop and other platforms. You'll   shape lead generation, manage experiences, and align with tech teams to bring digital features to life.

• Customer – dive into journey mapping, service design, and customer strategy. Work on initiatives that improve satisfaction, retention and advocacy, while tackling challenges like fraud and economic crime prevention.

• Propositions – use customer insight to develop new products, services and value propositions. Collaborate with marketing, commercial and innovation teams to take ideas to market.

The skills you'll master

By the end of the scheme, you'll be:

• Data-literate – confident using analytics and AI tools to personalise experiences.

• Product-savvy – understanding how propositions are designed, built and delivered.

• Customer-first – skilled in journey design and service improvement.

• Commercially aware – with a clear view of how the bank generates revenue.

• Strategic-minded – able to shape business capability and innovation.

•  AI-enabled – using AI tools to work more efficiently, productively and creatively.
 

And you'll have the chance to study for your CIMA qualification, adding financial and strategic expertise to your toolkit.

The work you could be doing

• Designing digital journeys across app and online platforms.

• Analysing customer feedback to drive improvements.

• Helping prevent fraud and supporting customers through disputes.

• Turning customer insight into new propositions.

• Collaborating on sustainability and inclusion initiatives.

Support to succeed

You'll be backed with:

• A buddy to guide you through your first year.

• Access to learning academies, Viva Learning and internal platforms.

• Mentoring from leaders who've been where you are now.

•  Opportunities to work on initiatives that make a real difference.

Your career. Fully backed.

You'll finish with the skills, knowledge and network to shape the future of customer relationships – ready to lead projects, create propositions and influence how millions experience banking.

Qualifications

CIMA qualification opportunity, plus structured training and development.

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.

• Knowledge of at least one modern programming language or framework.

• A genuine passion for technology and the drive to keep learning.

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

Locations

Choose from Edinburgh, Manchester, Leeds, London or Bristol. With our hybrid working policy, all colleagues spend at least two days a week in the office.

Opening and Closing date

Applications for the Consumer Relationships Graduate Scheme will open on 24th September 2025.

Our graduate schemes may close early if we receive a high number of applications, so it's best to apply as soon as possible.

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 out more, including stages and tips for success, on our how to apply page.

At Lloyds Banking Group, we're 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 you'll have a key role to play in shaping the financial services of the future, whilst the scale and reach of our Group means you'll have many opportunities to learn, grow and develop.

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.

---