Lloyds Banking Group - Consumer Relationships Graduate Scheme

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.

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.

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.