Get to where you need to be. Sooner

ANZ’s award-winning graduate program is designed to fast-track the career you have been working so hard towards. All grads are hand-picked to fill a specific opening within the business so are in the driver’s seat from day one. And when you cross the finishing line 18 months later there will be a job waiting in an area of your choice. Along with a generous boost to your already healthy starting salary.

Things move fast at ANZ as we’re doing the important work that only one of Australia’s biggest banks with a global network can tackle. It won’t take you long to realise you’re with good people who are all working towards a common goal. You will be too, but don’t worry - you won’t be expected to have all the answers up front.

Instead, six monthly rotations will open your eyes to what’s possible at ANZ and what’s the best path for you to take. The time you spend on the program will be jam packed with learning and networking opportunities to set you up with the contacts, confidence, and expertise to turbo charge your career.

So don’t delay, because our plans are big - and we want you up front with us!

We have program pathways in a range of our divisions including Australia Retail Division.

About the Australia Retail Program

Australia Retail supports ANZ’s largest market, with approximately 15,000 employees serving five million Retail customers across Australia. The division includes ANZ’s Retail banking propositions in Australia, including, Marketing, Strategic Delivery, Customer Engagement, Financial Wellbeing- Research & Design, Home Loans, Everyday Banking, Customer Migration and Customer Service Operations. It also includes portfolios who support ANZ’s online and mobile banking applications and other digital solutions, as well as customer remediation and customer resolutions.

As an Australia Retail Graduate, you will be exposed to a wide range of development opportunities and experiences in how we serve and work with our customers across one or more of our businesses. You will receive full support and training from our Retail leaders, allowing you to utilise your capabilities and push you out of your comfort zone. 

The Retail Graduate program may have you working across various Retail portfolios, including:

Customer Engagement: Marketing & Digital Sales and Retail Distribution

The Customer Engagement portfolio is accountable for developing and delivering integrated marketing, sales, and service strategies. The teams are committed to strengthening our customer focus, drive acquisition, engagement, and retention of our customers, through marketing, sales, service, coaching and personalisation. They do this across all digital and assisted customer channels.

Strategic Delivery

The Retail Strategic Delivery portfolio partner with the business and product areas to help shape ANZ’s strategy, drive business performance and protect the integrity of the Australia Retail Division.

The Strategic Delivery portfolio is made up of:

• Strategic Direction

• Divisional Enablement

• Delivery & Investment Management

• Performance Management

• Pricing 

Financial Wellbeing (FWB), Research & Design

The Financial Wellbeing (FWB), Research & Design portfolio drives alignment and prioritisation of existing financial wellbeing work and research, along with opportunities to drive disruptive innovation for new products and customer segments. In partnership with the Marketing, ANZx and Design teams, the portfolio works to embed and operationalise financial wellbeing measures and metrics across our Australia business.

Home Loans 

The Home Loans Tribe is responsible for providing home loan products to Australians and for managing ANZ’s supporting home loan systems. The Tribe is also responsible for Home Loan marketing and offers, the tribe works closely with Pricing to set home loan interest rates, with risk to set home loan policy, and with distribution and customer service operations to manage the end-to-end home loan customer experience.

Everyday Banking- Credit Cards & Personal Lending and Deposits

The Everyday Banking portfolio consists of the Credit Cards & Personal Lending Tribe and the Deposits Tribe. The portfolio focuses on the opportunities that deposit and transaction accounts, credit cards, personal loans and payments provide to engage with our customers throughout the life cycle and importantly, improve their financial wellbeing.

The division plays a key role in supporting ANZ’s key Financial Wellbeing Pillars, including:

• Plan your spend

• Organise your accounts

• Manage debt

Customer Migration

The Customer Migration portfolio consists of our Migration and Simplification teams, and the customer migration activities that are part of the proposed Suncorp Bank acquisition. The portfolio focuses on bridging the gap between today and tomorrow’s business, it is the centre of excellence for all migration activity, including simplification, across ANZ, ANZ Plus, Technology and proposed Suncorp Bank acquisition.

Customer Service Operations

The Customer Services Operations portfolio is focused on delivering end-to-end customer outcomes as efficiently and effectively as possible. The portfolio manages the customer life cycle of onboarding, assessment, and fulfilment to the protection and detection of fraud, the minimisation of losses through collections, hardship, and the resolution of disputed transactions. The portfolio also manages the accounts for deceased estates and all vendor contracts for Australia Retail divisions.

Customer Resolution & Remediation

The Customer Resolution & Remediation portfolio drives ANZ’s fair treatment of customers through effective complaint resolution and remediation, as well as promoting education and product management uplift and customer and community advocacy. The portfolio is committed to enhancing the banks products, systems, and data capabilities to elevate customer listening and for the prevention and detection of future customer remediation matters.

Read how Graduate alumni Jordan Smith leapt from theory to real-world application on ANZ’s Retail Graduate Program Here

About You

We don’t know your name yet, but we do know that you’re curious, smart, driven and already have some great life experiences behind you. And that’s exactly what we want! Along with a mix of backgrounds, opinions, and disciplines to drive the bank forward.

You don’t need a banking or finance background to join ANZ. We need people who can work well in a team, are strong communicators, enjoy putting forward ideas, can deliver at pace, and want to collaborate with us on exciting projects to help us shape a world where people and communities thrive.

About ANZ

There’s something special about being part of ANZ. From the moment you join us, you’re part of a team working towards a common goal: improving the financial wellbeing and sustainability of our millions of customers - and that’s big. 

 But it’s not just our customers who’ll feel your impact. You’ll feel it too as you continuously learn, develop, experience new things, and get the support of a community who’ll help you take the next big steps in your career. 

As one of Australia’s biggest banks, we have many opportunities in many locations, doing important and interesting work across different geographies, different divisions, and different disciplines. Joining ANZ is about working out exactly where you want your career to go and getting the skills and connections to get there.

We’re well known for looking after our people and their wellbeing, which is why the Australian Financial Review ranked us the number 1 place for grads to work in the banking, finance and insurance industries for three years running!

Being part of ANZ means working in a diverse and inclusive workplace where the different backgrounds, perspectives and life experiences of our people are celebrated and embraced. We encourage you to talk to us about any adjustments you may require to our recruitment process or the role itself. If you are a candidate with a disability, let us know how we can provide you with additional support.

Ready to take the next big step in your career?

Apply now for the 2025 ANZ Australia Graduate Program, before applications close: 22nd April 2023

ANZ recognises the value of an inclusive and diverse work environment. We take pride in the diversity of our people and encourage applications from diverse candidates. Our recruitment decisions are based on the key inherent needs and requirements of each role and candidates are selected based on their unique strengths and characteristics.