Programme Type: Graduate Programme

Start Date and Duration: Mon Jul 05, 2027; 24 Months

Opening Date: Thu Oct 01, 2026

Closing Date: Sun Oct 18, 2026

Area of Interest: Business Analysis and Consulting

Business Area: Retail Banking and Wealth

About the business area

Retail Banking at HSBC helps millions of customers manage their everyday finances while planning for longer-term goals like saving, investing and building financial confidence. It involves large-scale, customer-focused banking, giving people the tools, guidance and digital services they need at different life stages.

Who you are

You’re curious, solutions-focused and motivated by making things work better for customers and teams. You don’t need to be a business expert yet — what matters is your mindset, your openness to learning and your interest in customer experience. You could be a great fit if you enjoy working with different people, asking smart questions and getting to the heart of what needs to change. You communicate clearly, think analytically and like turning complexity into practical ideas. You’re proactive, not passive — you spot opportunities, bring suggestions forward and want to make an impact. If you’re interested in digital, data and improving banking for everyday customers, this could be a strong fit.

What you'll do

You’ll rotate through customer, digital, commercial and delivery teams to build the skills needed to shape better banking. You could explore complaints, disputes, fraud or Premier customer experiences, turning themes into practical problem statements and opportunities for improvement. In Digital or Digital Channels, you’ll use customer journey and data insights to diagnose friction and support digital adoption. You may also work with business management teams to understand commercial priorities, track KPIs and measure value, before helping delivery and strategic execution teams land safe, responsible change at pace. Through each rotation, you’ll work across Retail Banking to make banking simpler, smarter and more customer-focused.

What you'll learn

You’ll begin with structured training, then build your knowledge through hands-on learning, mentoring and coaching. Through rotations linked to the bank’s strategic priorities, you’ll deepen your understanding of customer-obsession, digital and technology, commerciality, and delivery, gaining hands-on experience into how digitisation and technology can simplify banking for customers and colleagues. You’ll learn how customer journeys work across customer channels, digital teams, and products and propositions, and how insight can be turned into meaningful change. The programme is designed to help you deply understand our customers, build your delivery capability, and develop and a stronger understanding of the retail bank as a whole. By the end, you’ll have a clearer view of how this part of HSBC operates and the skills to build a thriving career in a customer-obsessed environment.

Where you'll work

You’ll work in Retail Banking, alongside teams focused on customer journeys, digital banking, AI and products and propositions. It’s a collaborative environment where customer, product and service teams work together to improve how HSBC supports customers day to day. You’ll be part of a professional office culture that values teamwork, customer focus and practical problem-solving. Expect exposure to a business that combines digital innovation with strong service abd customer foundations across a broad retail banking environment.

Eligibility Criteria

To be eligible, you must:

Be available to work full-time from July 2027
Have achieved, or be on track to achieve, a 2:1 Undergraduate degree classification or above (or an international equivalent)
Will have completed studies by July 2027
Be fluent in English
Legally permitted to work in the UK for the full duration of the programme and beyond the end date, without requiring HSBC visa sponsorship

Please provide your achieved or expected final undergraduate degree result using the grading system used by your university (e.g. 2:1, First Class, GPA 3.5/4.0, 75% or local equivalent).

We only accept one application per recruitment cycle so please take time to explore our opportunities before applying as we may not be able to transfer your application to other vacancies.

Applications will be reviewed on a rolling basis and we may close this vacancy earlier than the advertised closing date if we receive a high volume of applications. Please apply as soon as possible to be considered.

Additional information

This particular program does not satisfy the Home Office eligibility criteria for visa sponsorship. We therefore can only progress applications from candidates who can demonstrate that they are eligible to work in the UK without HSBC sponsorship for the full duration of, and beyond, the programme end date. We cannot progress applications from candidates who apply with a graduate visa as you would not be eligible for sponsorship by HSBC when your current visa expires. You will need to confirm what visa you hold, if any, and its expiry date when you apply for us to verify your eligibility when you apply.

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