Consumer Relationships Graduate Scheme

Consumer banking is changing fast—and Lloyds Banking Group is looking for graduates who can help drive that change. The Consumer Relationships Graduate Scheme is designed to develop the next generation of product leaders: curious thinkers, data explorers, and customer-first creators who can turn insight into innovation.

Graduates will learn how products are built, launched, and evolved to meet changing customer needs. They will work on real projects that impact millions of people, seeing their ideas move from whiteboard to launch day.

This programme is one of two Consumer Banking graduate routes at Lloyds Banking Group. Those more interested in Consumer Lending—covering mortgages, loans, cards, and car finance—are encouraged to explore that programme before applying.

Over two years, participants will complete three placements across Consumer Relationships, the largest division in the Group. Each rotation is designed to sharpen expertise and broaden impact:

• Digital Engagement – Design, deliver, and optimise digital customer interactions across app, desktop, and other platforms. Graduates will shape lead generation, manage experiences, and collaborate with tech teams to bring digital features to life.

• Customer – Explore journey mapping, service design, and customer strategy. Participants will work on initiatives that improve satisfaction, retention, and advocacy, while addressing challenges such as fraud and economic crime prevention.

• Propositions – Use customer insight to develop new products, services, and value propositions. Graduates will collaborate with marketing, commercial, and innovation teams to take ideas to market.

By the end of the scheme, graduates will 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

Graduates will also have the opportunity to study for their CIMA qualification, adding financial and strategic expertise to their toolkit.

Support is built into the programme, including a buddy to guide participants through their first year, access to learning academies, Viva Learning and internal platforms, mentoring from experienced leaders, and opportunities to contribute to initiatives that make a real difference. Graduates will finish the scheme equipped 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.