Bank of Baroda Recruitment 2026 – Apply Online

Position :

Manager – Credit Analyst : 04

Senior Manager – Credit Analyst  : 38

Chief Manager – Credit Analyst : 01

 

Age & Minimum Experience 

Manager – Credit Analyst

Age (Years) : 25-30

Minimum Experience : 3 years in Credit, in any Public/Private/Foreign Bank or NBFC in India

 

Senior Manager – Credit Analyst

Age (Years) : 28-35

Minimum Experience : 6 years in Credit, in any Public/Private/Foreign Bank or Financial Institution in India

 

Chief Manager – Credit Analyst

Age (Years) : 32-42

Minimum Experience : 8 years in Banks/Financial Institutions, including 5 years in Credit Appraisal/Processing of Large/Mid Corporate Credit

 

C&IC Relationship Posts (Senior Manager & Chief Manager)

C&IC Relationship posts are client-facing roles centred on sourcing and managing corporate borrowers rather than appraising proposals, and together they account for 43 of the 86 vacancies.

Age & Minimum Experience

Across all 5 posts, work experience of less than 6 months in any organisation as on 1 June 2026 will not count toward eligibility unless it forms part of a candidate’s current employment, and time spent in a clerical cadre role is not counted at all.

 

Eligibility Criteria: Qualification, Age & Work Experience

The educational qualification for Bank of Baroda C&IC  Recruitment 2026 is identical across all 5 posts, while the age limit and experience requirement increase with seniority. Candidates should also note that the  bank will only consider qualifications from institutions recognised by the  Government of India or bodies like the AICTE.

Educational Qualification: Graduation in any discipline, plus a Post Graduate Degree or Diploma with specialisation in Finance (or its equivalent), OR a professional qualification such as CA, CMA, CS, or CFA.

Age: Calculated as on 1 June 2026, ranging from a minimum of 25 years (Manager grade) to a maximum of 42 years (Chief Manager grade).

Nationality: Indian citizens are eligible, along with certain categories of Nepali, Bhutanese, Tibetan refugee, and Indian-origin candidates from specified countries, subject to an eligibility certificate from the Government of India where applicable.

Posting Condition: Only candidates willing to serve anywhere in India should apply, since the bank can post selected officers to any branch or office at its discretion.

Reservation & Category-wise Vacancy Distribution

Reservation in Bank of Baroda C&IC Recruitment 2026 is applied separately for each of the 5 posts rather than as one combined pool, and candidates cannot change their declared category after registering online. Out of 86 total vacancies, 69 carry some form of category-based roster point while 17 remain unreserved.

OBC candidates falling under the creamy layer, or whose caste does not appear in the Central List, are not entitled to OBC reservation or age relaxation and must apply as General. EWS candidates must hold a valid Income and Asset Certificate, and there is no reservation for ex-servicemen in the officers’ cadre for this recruitment.

 

Age Relaxation Rules for Reserved Categories

The age limits mentioned above apply to General category candidates as on 1 June 2026. Candidates from reserved categories get additional years added to the upper age limit, but only for posts where reservation roster points actually exist.

Pay Scale and Salary Structure for Each Grade

Pay for Bank of Baroda C&IC officers follows the standard bipartite settlement scale used across the banking industry, with the figure increasing through fixed annual increments up to a ceiling for each grade. Selected candidates also receive allowances and perquisites as per the bank’s policies, in addition to this basic pay.

CIBIL Score Requirement: A Credit History Check Unique to This Recruitment

Unlike most government recruitment notifications, this advertisement makes personal credit history a formal eligibility condition. Candidates need a minimum CIBIL score of 680 at the time of joining the bank, since this post involves handling corporate credit decisions.

Job Recruitment in GMC Anantnag

Anyone who has defaulted on loan repayments or credit card dues, or who has adverse reports from CIBIL or other external credit assessment agencies, will be treated as ineligible for appointment. The  bank has reserved the right to reject a candidate’s selection at any stage, including after joining, if their credit profile turns out to be unsatisfactory.

Probation Period and Mandatory Service Bond

Selected candidates do not join in a permanent capacity immediately; they first complete a probation period, and they must also commit to a minimum service period backed by a financial bond.

Probation Period: 12 months (1 year) of active service from the date of joining.

Service Bond: Candidates must serve the bank for a minimum of 3 years from the date of joining, or pay ₹5 lakh in lieu of completing the bond period.

The exact bond terms will be confirmed in each selected candidate’s offer letter and are subject to revision as per the bank’s prevailing policy.

Application Fee :

The application fee for this recruitment is fixed by category and must be paid online; it is non-refundable even if the online test is not conducted or the candidate is not shortlisted for an interview

Selection for Bank of Baroda C&IC Recruitment 2026 can include application scrutiny, an online test, a psychometric assessment, a group discussion, and a personal interview, though the bank retains the right to skip or modify any stage. Final selection depends on combined performance across whichever stages are actually conducted.

Online Test Pattern (Tentative)

If a written test is held, it will be a 150-mark, 150-minute online exam split into four sections, three of which only need to be passed rather than scored well in.

Reasoning, Quantitative Aptitude, and Professional Knowledge will be available bilingually in English and Hindi, while the English Language section will be in English only. Sections 1 to 3 are qualifying only and do not count toward the final score; candidates need at least 40% in General/EWS or 35% in Reserved categories to clear each of these sections, and there is no negative marking anywhere in the test.

Personal Interview & Final Merit

Candidates who clear the online test (or are otherwise shortlisted) move on to a psychometric assessment and/or personal interview, where the minimum qualifying score is 60% for General category and 55% for Reserved category candidates. If two or more candidates tie at the cut-off mark, the older candidate is ranked higher in the merit list.

The online test, if conducted, is tentatively planned across more than two dozen cities, including Mumbai, Delhi/NCR, Bangalore, Chennai, Kolkata, Hyderabad, Pune, Ahmedabad-Gandhinagar, Jaipur, Lucknow, Baroda, Bhopal, Chandigarh-Mohali, and several other regional centres, with the final allotted centre confirmed in the call letter.

Documents Required During the Recruitment Process

Candidates do not need to upload every certificate while registering online, but they must be ready to produce the following documents in original, along with self-attested photocopies, at the interview stage or whenever the bank asks for them.

Printout of the interview call letter and the system-generated online application form

Proof of Date of Birth (Birth Certificate, SSLC/Std. X marksheet, or equivalent)

A valid photo identity proof such as PAN Card, Passport, Driving Licence, Voter’s Card, or Aadhaar card (Ration Card is not accepted)

Year-wise/semester-wise mark sheets and the final degree/diploma certificate

Caste certificate for SC/ST/OBC candidates, with the OBC certificate carrying a valid non-creamy-layer clause

Disability certificate from the District Medical Board, for Persons with Benchmark Disabilities

Income and Asset Certificate, for candidates applying under the EWS category

Service/discharge book, pension payment order, and rank proof, for ex-servicemen candidates

No Objection Certificate from the current employer, for candidates already working in  government, quasi-government, or public sector roles

Documentary proof of declared work experience, such as appointment letters, salary slips, or relieving letters

Step-by-Step Guide: How to Apply Online

Bank of Baroda accepts applications for this recruitment only through its official website; no offline or postal applications will be considered.

Visit www.bankofbaroda.bank.in and navigate to the Careers section, then Current Opportunities.

Register using a valid personal email ID and contact number that you can keep active until the recruitment process is complete.

Fill in personal, educational, and work experience details carefully, since no changes are allowed once the form is submitted.

Upload your photograph (200 x 230 pixels, 20-50 KB) and signature (140 x 60 pixels, 10-20 KB) in JPG/JPEG format, signed in your normal handwriting and not in capital letters.

Upload your resume, Date of Birth proof, educational certificates (combined in one PDF), and category/PWD/experience certificates where applicable, each as a PDF on A4 size not exceeding 500 KB.

Pay the applicable application fee online using a Debit Card, Credit Card, Net  Banking, or UPI.

Save and print the system-generated application form and fee receipt for your future reference.

Job Profile :What Will You Actually Do in This Role?

The two job families under this recruitment involve noticeably different day-to-day work, which is worth understanding before choosing which post to apply for.

Credit Analyst roles (Manager/Senior Manager/Chief Manager) are appraisal-focused: examining new and existing corporate credit proposals, conducting credit due-diligence on financial, industry, and business risk, coordinating with Relationship Managers, and ensuring compliance in corporate accounts.

C&IC Relationship roles (Senior Manager/Chief Manager) are client-facing: maintaining relationships with existing corporate clients, sourcing new-to-bank corporate borrowers, cross-selling ancillary business, and creating account plans with opportunity income analysis for corporate borrowers.

 

Mistakes That Could Cost You This Opportunity

Several avoidable errors can disqualify an otherwise eligible candidate from Bank of Baroda C&IC Recruitment 2026, so it helps to check these before hitting submit.

Assuming any postgraduate degree qualifies – only a finance-specialised PG degree/diploma or a CA/CMA/CS/CFA qualification meets the educational criteria.

Not checking your CIBIL score in advance – a score below 680, or any default history, can lead to rejection even after selection.

Counting clerical-cadre banking experience toward the eligibility criteria, which is explicitly excluded.

Including work experience of less than 6 months from a previous organisation, which will not be counted unless it is part of your current employment.

Submitting more than one application – only the latest valid one is retained, and fees paid for earlier ones are forfeited.

Selecting a category casually, since no change of category is allowed after registration and an invalid OBC/EWS claim without supporting certificates can affect your candidature.

Overlooking the 3-year/₹5 lakh service bond commitment before deciding whether to accept the role if selected.

Waiting until the last date to register, risking last-minute website load issues for which the bank takes no responsibility.

Important Links

Online Application : Click here

Official Notification : Available soon

Official Website   : Click here

 

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