2027 Graduate Program | Risk, Enterprise Risk | Melbourne

It starts here. With Bendigo Bank… and you.

We’ve never been ‘just a bank’. Just like you should never be ‘just an employee’. We’re united in our belief that in banking, better can be bigger, and together we’re making it happen.

Build a career with purpose.

 
Graduating is just the beginning. Where you choose to start your career can shape where it takes you next.

Our 12-month graduate program is designed to help you build confidence, develop your skills, and make a meaningful contribution from day one. You'll gain hands-on experience working on real initiatives that help deliver better outcomes for our customers, communities, and people, while being supported by leaders who are genuinely invested in your growth.

Because we're a connected organisation, you'll have opportunities to work alongside leaders from across the business, gaining exposure to different perspectives and seeing the impact of your work firsthand.

About Group Risk:

As a graduate, you'll join Group Risk, the team that stands at the very centre of the bank's decision-making. We are the strategic partners who safeguard the bank’s future, using data and deep expertise to turn complex challenges into smart, value-driving business decisions. It’s our job to provide the independent oversight and constructive challenge that empowers the entire organisation to grow safely and sustainably. You’ll be part of a dynamic division that continuously refines the bank’s core risk frameworks, ensuring we are always ready for what’s next.

In the Enterprise Risk stream, you’ll focus on the foundations of risk management at a bank, learning how the bank’s strategy is enabled by risk, and how risk is embedded across the organisation. You’ll dive into diverse specialist rotations, gaining hands-on experience in areas like risk frameworks, risk governance, risk culture, and risk model validation. You will learn how we set the bank's overall risk appetite, influence its culture, and ensure our core frameworks are robust. To ensure the strategies you help develop are practical, you'll also have opportunities to connect with our frontline teams, gaining invaluable insight through a customer and operational lens. This stream is designed to give you a truly holistic, enterprise-wide view of how a bank operates, laying the foundation for a highly influential career in strategic risk.

What your year will look like:

Over 12 months, you'll gain exposure to a range of experiences, helping you build a broad understanding of the business while preparing you for your future role. You will:

• Start with security: Join us as a permanent, full-time employee from day one, giving you the confidence to focus on learning before transitioning into your guaranteed landing role in Risk at the end of the program.


• Experience a tailored rotational program: Explore different areas within the division and undertake a specialist rotation of your choice from a curated list.


• Receive dedicated support: Start with a dedicated rotation leader and buddy in every placement to guide your day-to-day, plus ongoing mentorship and guidance from an Early Career Lead who you will report to throughout the entire program.


• Make a real impact: Work on meaningful initiatives that create positive outcomes. We value fresh thinking and feedback, and you'll be trusted to contribute your ideas from day one to help evolve both our business and our graduate program.


• Build your network: Grow alongside a cohort of graduates while building genuine relationships with leaders and stakeholders from across the organisation.

What you’ll bring to the role:

If you are in your final year of study or have graduated within the past three years, are eager to learn, open to new experiences, and ready to grow, we want to hear from you. To set yourself up for success in this role, you will have:

• A degree in Mathematics, Statistics, Economics, Business, Finance, Data Science, Computer Science, Engineering, or a related field.


• A willingness to learn and the motivation to take on new challenges in a constantly changing environment.


• The ability to build genuine relationships, communicate effectively, and collaborate with others.


• Initiative, confidence to contribute new ideas, and a passion for creating positive outcomes for customers and communities.

While not essential, you’ll stand out from the crowd if you have:

• An analytical mindset and a passion for understanding the "big picture" of how a complex business operates safely.

Please note: To be eligible for our graduate program, you must be an Australian Citizen, New Zealand Citizen, or an Australian Permanent Resident. 

So, why work with us?

• Want big impact that matters? Here, you’ll know your work directly benefits the customers and communities we all serve.


• Want to be more than just a number? Join a team that truly values you – and that becomes more diverse every day.


• Want career opportunity AND flexibility? Achieve both here, where we know that balance and progression go hand in hand.

You’ll also get access to a great range of benefits, including:

• Flexible work options designed to suit your life – talk to us about what flexibility means to you.


• Health and wellbeing support, including discounted gym memberships, private health insurance options, and our Employee Assistance Program (EAP).


• Access to our corporate university ‘BEN U’ to take your learning to the next level through opportunities like or at an external provider of your choice.

Ready to build your future? We’re making better, bigger. And we’ll get there with you. Passionate about strategy and ready to learn? Apply now to start the career you deserve.

Applications close: Sunday, 16 August 2026
Program commences: Early February 2027

What to expect:

We want our recruitment process to be a valuable, two-way experience. It’s not just about us getting to know you - it’s a chance for you to discover if Bendigo Bank is the perfect place to launch your career. Here is what our process looks like:

• Online assessment (video response): Within 48 hours of submitting your application, you will receive an email link to complete a short online assessment. This consists of video responses to three simple questions so we can learn a bit more about you beyond your resume. (Be sure to check your junk folder if you don't see it!).


• Initial conversation: Shortlisted candidates will be contacted by our Early Career Lead for an initial, casual chat about your aspirations and why you’re interested in the program.


• Final panel interview:  If your application progresses, you’ll join a panel interview with business leaders from your chosen division. While it is an interview, we want to ensure it's well worth your time. It’s a collaborative discussion and a great chance to start building your professional network, ask your own questions, and get a real feel for our program to ensure we're the right fit for each other.

For all enquiries relating to the recruitment process, please contact Kelly Boots, Early Career Lead ([email protected]). Please do not send your CV to this email. Applications must be completed via the apply link.

We believe a diverse workforce supported by an inclusive culture is central to our success, and we actively encourage applications from those who bring diversity of thought to our business. We support candidate requests for adjustment to accommodate an illness, injury or disability to equitably participate in the selection process.