Overview

End Date: Saturday 25 October 2025

Salary Range: 42000

Before you start your application please note alternative formats are available on request. Please contact us by emailing or calling on 0. 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 (Dont worry this wont 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 its best to apply as soon as you can. If you have any questions please do contact the team at

Location choices include Manchester, Watford, Cardiff or Chester with a hybrid policy requiring at least two days in the office.

Job Description

Shaping the future of lending. Consumer banking is changing fast and we want grads who can change it with us.

The Consumer Lending 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 your interest lies more in Customer Relationships, digital engagement, service and propositions be sure to review that programme too before you apply.

Two years. Two major placements.

You’ll rotate across two 12-month placements designed to build expertise in Consumer Lending, the centre of excellence for mortgages, loans, cards, car finance and leasing:

• Product & Platform: learn how products are diversified, managed and delivered. Work on customer journey design, digital experiences and platform innovation.
• Strategic Partnerships: work with major partners such as Jaguar Land Rover to shape new products, manage relationships and ensure safe profitable delivery.

The skills you’ll master

By the end of the scheme you’ll be :

• Financially literate; confident in how banks make decisions and generate revenue.
• Product-focused; skilled in diversification, management and delivery of lending products.
• Insight-driven; using data to validate strategy and improve journeys.
• Relationship-ready; building and managing partnerships that add value.
• AI-capable; using AI tools to work smarter and faster.
• Agile-minded; solving problems collaboratively and delivering at pace.

You’ll also have the chance to study for your CIMA qualification boosting your financial and strategic expertise even further.

The work you could be doing

• Researching customer behaviour to improve lending products.
• Shaping new journeys for mortgages, loans or car finance.
• Leading cross-team projects to deliver change.
• Working with external partners to bring new propositions to market.
• Supporting greener, more sustainable ways to live and borrow.

Support to succeed

You’ll be backed with:

• Leadership interaction and sponsorship.
• A buddy to guide you through your first year.
• Access to learning academies Viva Learning and internal platforms.
• Opportunities to contribute to sustainability and inclusion initiatives.

Your career. Fully backed.

You’ll finish with the expertise, confidence and network to lead in Consumer Lending, ready to shape products, manage partnerships and help millions of customers access the lending they need.

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.

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

Knowledge of at least one modern programming language or framework.

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

Qualifications

CIMA qualification opportunity plus structured training and development.

Locations

Choose from Manchester, Watford, Cardiff or Chester. 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 Lending Graduate Scheme will open on 24 September 2025.

Our graduate schemes may close early if we receive a high number of applications so its 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.

Key Skills

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Employment Type : Full-Time

Experience : years

Vacancy : 1