ANZ

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. The more open you are to exploring new opportunities, the more exciting your job possibilities will be when you cross the finish line, 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

As an Australia Retail Graduate, you will be exposed to a wide range of development opportunities and experiences. 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 best part is you will work closely with your program manager to create a program tailored to your interests this ensures that every rotation you work in will be something you have a genuine interest in and want to learn more about!

Australia Retail supports ANZ’s largest market, our graduates gain experience in a number of areas such as:

• Customer Proposition
• Personal Channels
• Retail Non- Financial Risk
• Digital
• Strategy & Execution
• Data and Analytics
• Home Loans
• Retail Products

For more information on the above areas please see below:

Customer Proposition 

• Shapes how ANZ connects with retail customers across the lifecycle.
• Defines customer strategy, segmentation and customer value propositions (CVPs).
• Drives consistent delivery across channels to lift satisfaction, engagement and growth.

Personal Channels

• Delivers customer experiences across branch, phone, online and operational support.
• Brings together Branch, Proprietary Lending, the Customer Engagement Hub and Service Delivery.
• Supports customers and staff, improving processes for safe, efficient service.

Retail Non-Financial Risk 

• Leads non-financial risk management across retail and commercial banking.
• Provides remediation, complaints and events management, NFR operations and ASIC matters support.
• Embeds accountability and strengthens customer and regulatory outcomes through strong controls.

Digital  

• Shapes and delivers ANZ’s digital banking experience and platforms.
• Leads digital strategy and delivery, design and content, activation and commercialisation, and identity and verification.
• Enables one consistent experience through the Single Customer Front End, supporting Suncorp Bank customer migration.

Strategy and Execution 

• Shapes retail direction and turns priorities into measurable outcomes.
• Brings together Retail Strategy, Retail Change, Chief of Staff support, and Safe and Resilient.
• Ensures initiatives are well planned, governed and aligned to enterprise goals.

Data and Analytics 

• Enables smarter, data-driven decisions across retail.
• Delivers data management, analytics and insights, and AI and machine learning.
• Builds trusted data foundations for reporting and insights to improve customer and business outcomes.

Home Loans 

• Manages and grows ANZ’s home lending business across all distribution channels.
• Leads product management, broker and mobile distribution, and product risk and governance.
• Delivers competitive, customer-focused loans while meeting regulatory obligations and managing risk.

Retail Products 

• Owns retail product strategy and experience (excluding Home Loans).
• Holds end-to-end accountability for designing, managing and improving core retail products.
• Improves customer and business outcomes across Deposits and Payments, Cards and Personal Lending, and Wealth and Insurance.

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 four 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 2027 ANZ Australia Graduate Program, click the Apply Online button below. Applications close: 11 May 2026

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.