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I’m in my final year doing Economics and I don’t know whether to apply for grad schemes now or do a masters first. What do you think?
Honest answer — it depends on where you want to end up. A lot of top grad schemes (Big 4, civil service, banking) don’t need a masters. Let’s look at the ones you’d be competitive for now, and we can decide if a masters actually adds anything.
Also worth knowing: most autumn 2026 applications are open now. Timing matters more than you think.
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Graduate Consultant — 2026 Scheme
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StrongYour economics background and your summer at a regional bank line up with what PwC looks for on the consulting scheme. Applications close in four weeks.
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Why you're a good match
You’ve got the grades and the economics background, and your bank internship is exactly the experience this scheme looks for. Apply soon — deadlines close within the month.
Experience fit
Your summer at the bank plus your econometrics coursework map directly to the day-one responsibilities on this scheme — client modelling, market briefings, and deal support.
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The Migration Programme Lead owns how we migrate, ensuring migrations are safe, well‑planned, and resilient to risk. The Migration Programme Lead is accountable for defining and delivering the end‑to‑end migration strategy, planning framework and cutover execution for transitioning clients and products onto EML’s Arlo platform.


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The role owns how migrations are executed safely, including migration design, readiness criteria, cutover planning and the identification and mitigation of migration‑specific risks. This includes ensuring that migration considerations — regulatory, operational, data and technical — are explicitly surfaced, planned for and controlled.
The role acts as the single point of accountability for migration safety and execution, ensuring migrations are repeatable, auditable and delivered without undue risk to clients, cardholders or the programme.
Key Accountabilities Migration Strategy & Framework Define and own the programme‑level migration strategy, including: Migration principles and success criteria Migration patterns and sequencing approaches Readiness and entry/exit criteria Establish a repeatable migration framework that can be applied consistently across clients, regions and products. Planning, Cutover & Readiness Own detailed migration and cutover planning, including: Data, ledger, card and transaction migration considerations Parallel run and rollback strategies Cutover runbooks, rehearsals and dry runs Lead go‑live readiness activity and provide clear go / no‑go recommendations based on evidence and risk. Migration Risk & Mitigation Proactively identify and manage migration‑specific risks, including: Regulatory and compliance risk Client and cardholder impact Data integrity and reconciliation risk Operational readiness and support risk Third‑party and vendor dependencies Ensure risks are documented, tracked, mitigated and escalated appropriately to Programme and SteerCo forums. Delivery Governance Lead migration governance and assurance, including: Migration working groups Readiness checkpoints and reviews Clear escalation and decision pathways Provide transparent reporting on migration progress, risks and decisions to Programme Leadership. Cross‑Functional Coordination Work closely with: Commercial Migration Lead on sequencing feasibility and timing Technology and Product teams on build and testing readiness Operations on service readiness and support models Risk, Compliance and Legal on regulatory requirements Act as the authoritative voice on migration safety and execution across the programme. Required Experience & Skills Essential Senior experience leading large‑scale migrations in payments or regulated financial services. Demonstrated ownership of migration strategy, cutover planning and risk mitigation. Strong understanding of the failure modes and risks of live platform migrations. Experience operating at Programme, ELT and SteerCo level. Desirable Deep knowledge of payments platforms, issuers, processors or ledger‑based systems. Experience migrating onto new core or cloud‑based platforms. Governance & Reporting Reports into the Programme Director with accountability for migration strategy, planning and execution. Works in close partnership with the Commercial Migration Lead to align migration delivery with client sequencing and communications.
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