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How Gen Z is Rethinking Work

A recent survey of nearly 1,000 students and early career financial and professional services personnel suggests that Generation Z is entering the workforce with a more pragmatic mindset than many employers expect.

The Gen Z Hiring Report, published by recruitment firm Dartmouth Partners, paints a picture of a cohort that is ambitious, financially cautious, and increasingly focused on learning and long term progression rather than perks or prestige alone.

While Gen Z is often characterized as idealistic or values driven, the data suggests a generation shaped by uncertainty, such as the pandemic, economic volatility and the rapid rise of AI and now recalibrating what success looks like early in a career.

Key insights

For young professionals For team leaders/ hiring managers
  • Roles with clear training, mentoring and progression are proving more important than employer prestige alone.
  • Hiring messages and interviews need to lead with training, mentoring and progression, rather than brand prestige.
  • Most early career professionals now prefer a solid base salary and predictable development over uncertain bonuses or hype.
  • Pay offers land best when base salary and progression are clear.
  • Office time is increasingly valued for learning, visibility and faster progression, particularly in the first few years.
  • Office time is attractive when it delivers visible learning, access and manager-led support.
  • AI tools are now normal for applications, but transparency and human decision making remain critical in hiring.
  • Keep recruitment human. Candidates know that AI can support hiring, but they expect transparency and human-led decisions.
  • Many Gen Z candidates keep learning, applying and moving, prioritizing long term growth over short term loyalty.
  • Assume candidates may keep looking, so move fast, stay close and follow through after the offer.

What Matters Most

Three priorities dominate decision‑making for Gen Z:

  1. Career progression
  2. Learning and skill development
  3. Financial security

More than 82% of respondents rate learning and exposure as more important than company brand, while nearly 70% prioritize career progression over work–life balance. A higher base salary is preferred to uncertain bonus potential, with most candidates choosing stability over upside.

That doesn’t mean Gen Z lacks ambition. Instead, many respondents say they are willing to accept a lower initial offer if the role comes with credible development pathways, mentoring and long‑term opportunity.

For early‑career professionals, employers that can explain how you grow, not just where you start, are viewed as more attractive, even if the starting salary is not the highest.

Back to the Office

One of the most striking shifts from previous years’ reports is Gen Z’s changing relationship with remote work.

In 2024, close to half of respondents said they would turn down a role that did not offer flexibility. In this report that figure falls to around one‑third. In‑person work is increasingly viewed as beneficial for learning, visibility and progression, particularly in the first few years of a career.

That said, flexibility still matters especially for women and those in tech or consulting, but it is no longer the non‑negotiable it once was. Many respondents say they are willing to come into the office if it delivers real value, such as mentoring, feedback and exposure to senior colleagues.

Let AI Support, Not Screen

Artificial intelligence is now embedded in the job search. More than half of Gen Z candidates say they already use AI tools for tasks like writing cover letters, researching companies or formatting CVs. Dartmouth reports a 37.5% year‑on‑year increase in application volumes, largely driven by AI‑enabled efficiency.

But enthusiasm drops sharply when AI is used by employers.

Most respondents say AI‑driven recruitment processes would put them off applying, citing concerns about fairness, transparency and bias. These concerns are especially strong among candidates from lower socioeconomic backgrounds and under‑represented ethnic groups.

The takeaway is nuanced: using AI to support your applications is now normalized, but Gen Z still values human judgment when it comes to assessment and hiring decisions.

Loyalty is Optional

Job loyalty is no longer assumed. More than 57% of respondents say they would continue applying for jobs even after accepting an offer, typically in search of better pay, stronger training or improved progression prospects.

This does not signal entitlement so much as caution. Gen Z candidates appear acutely aware that early career choices can have long‑term consequences and are prepared to change course quickly if expectations are not met.

What this Means for Early‑Career Professionals

The report’s findings suggest that Gen Z is not rejecting work, it is reassessing it.

Today’s graduates are more cautious, more informed and more deliberate about how they enter the workforce. They value structure over slogans, learning over lifestyle branding, and financial stability over speculative upside.

For those starting out, the recommendation is to prioritize roles that invest in skills, offer visible progression, and provide real support, even if that means saying no to surface‑level perks or prestige.

To build the skills, credibility and connections employers are looking for, membership of the Global Institute of Credit Professionals provides practical resources, events and a professional network. And for those looking to strengthen their foundations quickly, the Global Credit Certificate offers a structured study route to build core credit knowledge and signal commitment to employers.

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