What are the Lloyds graduate schemes?
The Lloyds graduate schemes are designed to provide recent graduates with the skills and experience they need to succeed in the banking industry. There are several different Lloyds graduate schemes available, each tailored to a specific area of the bank. For example, there is a scheme for those interested in corporate banking, another for those interested in risk management, and another for those interested in technology.
What are the different types of Lloyds graduate schemes?
There are several different types of graduate schemes available at Lloyds Bank, each tailored to a specific area of the bank. The 2026 Lloyds graduate schemes include:
Actuarial Graduate Programme
The Lloyds Actuarial Graduate Programme is a specific graduate scheme offered by Lloyds Bank for those interested in pursuing a career in actuarial science. This programme is ideal if you love working with maths, statistics, and data to solve financial problems. As an Actuarial Graduate, you’ll turn complex data into insight that shapes the future of Lloyds’ insurance and risk decisions. Over the scheme you’ll develop analytical skills, contribute to pricing and risk models, and grow toward professional actuarial qualifications while gaining exposure to real business challenges.
Business and Commercial Banking Graduate Programme
This scheme places you at the heart of business banking, helping UK companies to grow and thrive. Graduates learn how to build and maintain client relationships, understand financial products like lending and payments, and develop broad commercial knowledge. You’ll work across teams and business areas, using data and financial insight to make decisions that support businesses of all sizes.
Consumer Lending Graduate Programme
This programme focuses on consumer credit and lending products — from understanding customer needs to supporting product launches. You’ll gain experience across different aspects of consumer lending and learn how analytics and customer insight improve decision making and product design in personal finance.
Consumer Relationships Graduate Scheme
If you’re interested in customer experience, product development, and digital banking, this scheme gives you the opportunity to see how products are built, launched, and improved. You’ll work on real projects that affect millions of customers, combining business insight, data exploration, and customer-centric thinking.
Corporate Banking and Markets Graduate Scheme
This graduate route is ideal for those who want to work with large corporate clients and capital markets. You’ll build technical expertise and commercial confidence advising on complex finance needs for organisations across sectors, and develop a deep understanding of global markets and investment banking operations.
Data Management Graduate Scheme
This scheme focuses on how data is collected, organised, and used to make smarter decisions at scale. As a Data Management Graduate, you’ll work on real data projects that improve analytics, reporting, and insight across the bank — ensuring that accurate, reliable data drives strategy and operations.
Data Science and AI Graduate Scheme
This is one of Lloyds’ most forward-looking programmes for graduates passionate about machine learning, AI, and advanced analytics. Over two years, you’ll rotate through multiple placements using data to solve key business problems — from fraud detection and credit risk modelling to customer behaviour and smart automation. You could work as a Data & AI Scientist or as a Machine Learning Engineer, building models and solutions that directly influence how the bank uses data ethically and strategically.
Finance Graduate Scheme
The Finance Graduate Scheme gives you a 360° view of how finance powers a major bank. Over multiple rotations you’ll explore roles in budgeting, forecasting, analytics, reporting, and strategic finance functions. You’ll gain commercial awareness alongside technical finance skills, preparing you for leadership and partner roles where financial insight is key to business success.
Future Financial Wellbeing Graduate Scheme
This scheme is focused on helping customers improve their financial lives. You’ll work on products and services that promote long-term financial health and resilience, using data and customer insight to shape solutions that make a tangible difference in people’s daily lives.
Human Resources Graduate Scheme
If you want to develop people and workplace strategy, this scheme focuses on HR fundamentals, including recruitment, development, culture, and organisational change. You’ll build expertise in supporting colleagues and shaping the employee experience within a large, diverse organisation.
Brand, Marketing and Experience Graduate Scheme
This programme is for graduates interested in creative, commercial, and customer-centric roles. You’ll learn how to craft campaigns, design customer experiences, and use insights and tech to build engagement and loyalty. It’s ideal if you like blending analytics with creative thinking.
Occupational Psychology Graduate Scheme
If you’re drawn to psychology and organisational behaviour, this scheme gives you the tools to support colleagues and improve workplace wellbeing. You’ll apply psychological insight to recruitment, development, performance and culture, helping shape how people work and thrive across the Group.
Risk Graduate Scheme
Risk graduates learn to identify, quantify, and manage risks across the bank — from credit risk and market volatility to operational challenges. Over two years, you rotate through different risk specialisms, combining analytics, data modelling, and strategic thinking to keep the business safe and resilient while supporting growth.
Technology Engineering Graduate Scheme
This scheme is tailored to graduates who want to build the digital products and platforms that underpin modern banking. You’ll work with engineers and designers to create secure, scalable technology solutions used by millions of customers, covering cloud infrastructure, front-end systems, apps, and emerging tech.
How long do the Lloyds graduate schemes last?
Each Lloyds graduate scheme lasts 24 months and is composed of a number of placements of different lengths. Participants will have the opportunity to work on real projects and receive on-the-job training and mentoring. They will also have the opportunity to network with other graduates and senior leaders within the bank.
How can I apply for a Lloyds graduate scheme?
To apply for a Lloyds graduate scheme, you will typically be required to be on track for a 2:2 or higher from any university. You will also need to complete an online application, which, if successful, leads to an online strengths-based assessment. The next stage will be a video interview followed by an invitation to the assessment centre.
In summary, Lloyds graduate schemes offer recent graduates an opportunity to gain valuable skills and experience in the banking industry. It offers a variety of schemes in different areas, from corporate banking to technology. To be eligible, you need a 2:2 degree and possess the desired skills.
Overall, a Lloyds graduate scheme is an excellent opportunity for those looking to start a career in the banking industry. It provides the necessary training and experience for success in the field. So if you want to be part of a reputable and well-established bank, then Lloyds graduate schemes are the right choice for you.