Bank of Baroda C & IC Recruitment 2026: 86 Credit Analyst & Relationship Manager Posts — Eligibility, Salary & How to Apply
Quick Highlights at a Glance
Table of Contents
- Introduction
- About Bank of Baroda
- Important Dates
- Vacancy & Reservation Breakdown
- Eligibility Criteria
- Age Limit & Relaxation
- Salary & Pay Scales
- Application Fee
- Selection Process
- Online Exam Pattern
- Credit History, Service Bond & Conditions
- How to Apply
- Document, Photo & Signature Specifications
- General Instructions
- Frequently Asked Questions
- Important Links
1. Introduction
Bank of Baroda has opened a fresh recruitment drive to fill 86 regular posts in its Corporate and Institutional Credit (C & IC) department under advertisement number BOB/HRM/REC/ADVT/2026/10. Online registration began on 16 June 2026, and the window to submit the application and pay the fee closes on 6 July 2026. This is a direct, regular-basis appointment — not a contractual or apprentice engagement — and the selected officers will be placed in the middle and senior management grades of the bank.
The drive is aimed squarely at experienced banking and finance professionals rather than fresh graduates. Across the five positions, the bank is hiring for two distinct job families — Credit Analyst roles that focus on appraisal and monitoring of corporate proposals, and C & IC Relationship roles that focus on sourcing and managing corporate borrower relationships. The lowest entry point still demands three years of credit experience, and the senior posts ask for up to eight. Where it helps, we link out to focused guides on eligibility, salary, and how to apply.
If you are weighing whether to apply as a Credit Analyst or in a Relationship role, the difference matters. One path is appraisal- and risk-focused; the other is client-acquisition- and portfolio-focused. Below we explain both tracks, the experience each demands, and the conditions attached to the offer — including a mandatory minimum credit score and a service bond — so you can make an informed decision well before the 6 July 2026 deadline rather than discovering the fine print after selection.
Editorial Note: Every figure in this article has been compiled and cross-checked against the official Bank of Baroda notification dated 16 June 2026. We have rewritten the contents for clarity and surfaced several decision-critical details that recruitment summaries often bury — the minimum CIBIL score, the service bond, and the fact that three of the four online-test sections are only qualifying. Always confirm the final position-wise details on the bank’s official website before applying, as the bank may issue corrigenda.
2. About Bank of Baroda
Bank of Baroda is one of India’s largest public sector banks and a wholly government-majority-owned institution with a nationwide branch network and a significant international presence. Its Corporate and Institutional Credit vertical handles large and mid-corporate lending, MSME exposure, and the relationship management that underpins the bank’s wholesale lending book — which is exactly where these 86 officers will be deployed.
The Corporate and Institutional Credit department is the engine room of the bank’s wholesale lending business. It originates and appraises credit for large and mid-sized companies, manages the ongoing health of those exposures, and builds the institutional relationships that bring repeat business and ancillary income such as trade finance, cash management and treasury products. Officers recruited here work close to the bank’s balance sheet, and the roles carry genuine accountability for both credit quality and business growth — which is why the bank is hiring experienced professionals rather than training freshers for these seats.
Organization Profile
- Full Name: Bank of Baroda
- Short Name: BOB
- Sector: Public Sector Bank (Government of India undertaking)
- Department Hiring: Corporate and Institutional Credit (C & IC)
- Recruiting Authority: Chief General Manager (HRM & Marketing), Mumbai
- Official Website: bankofbaroda.bank.in
- Career Portal: bankofbaroda.bank.in/career.htm
3. Important Dates
Mark these dates carefully. The single most important deadline is 6 July 2026 — an application is only treated as complete once the fee has been paid online on or before this date.
| Event | Date |
|---|---|
| Notification Released | 16 June 2026 |
| Online Registration Begins | 16 June 2026 |
| Last Date to Apply & Pay Fee | 6 July 2026 |
| Eligibility Cut-off Date (age, qualification, experience) | 1 June 2026 |
| Online Test / Interview Date | To be announced separately |
Deadline Alert: Do not wait for the last day. Heavy traffic close to 6 July 2026 can cause payment failures and login problems, and the bank does not accept responsibility for applications that fail to go through at the last moment.
4. Vacancy & Reservation Breakdown
All 86 vacancies sit within the Corporate and Institutional Credit department and are spread across five positions in three grades — MMG/S-II, MMG/S-III and SMG/S-IV. The two Senior Manager grades together account for the bulk of the intake (74 of the 86 posts).
| Position | Grade / Scale | Vacancies |
|---|---|---|
| Manager – Credit Analyst | MMG/S-II | 4 |
| Senior Manager – Credit Analyst | MMG/S-III | 38 |
| Chief Manager – Credit Analyst | SMG/S-IV | 1 |
| Senior Manager – C & IC Relationship | MMG/S-III | 36 |
| Chief Manager – C & IC Relationship | SMG/S-IV | 7 |
| Total | 86 | |
The category-wise reservation roster below shows how the seats are distributed among SC, ST, OBC, EWS and Unreserved (UR) candidates. These numbers are provisional and the bank may revise them according to actual requirements.
| Position | SC | ST | OBC | EWS | UR | Total |
|---|---|---|---|---|---|---|
| Manager – Credit Analyst | 0 | 3 | 0 | 1 | 0 | 4 |
| Senior Manager – Credit Analyst | 12 | 7 | 4 | 10 | 5 | 38 |
| Chief Manager – Credit Analyst | 0 | 0 | 0 | 1 | 0 | 1 |
| Senior Manager – C & IC Relationship | 5 | 5 | 16 | 8 | 2 | 36 |
| Chief Manager – C & IC Relationship | 0 | 4 | 3 | 0 | 0 | 7 |
| Total | 17 | 19 | 23 | 20 | 7 | 86 |
Note: There is no reservation for Ex-Servicemen in the officers’ cadre. The category you select in the online form is locked once you register — no change of category is permitted at any later stage.
The five posts fall into two distinct career tracks, and it is worth understanding the difference before you decide where to apply.
Credit Analyst roles (Manager, Senior Manager and Chief Manager) are appraisal- and risk-focused. Day to day, these officers carry out credit appraisal of new and existing corporate proposals, support relationship managers in canvassing new-to-bank corporate borrowers, monitor corporate accounts and ensure compliance within those accounts. At the Chief Manager level the work deepens into credit due-diligence on a borrower’s financial, industry and business risk, the analysis of financial statements and CMA data, and the tracking of early-warning signals. The job-specific skills the bank looks for in this track include financial-statement and CMA analysis, risk assessment, data interpretation, regulatory knowledge and sound time management.
C & IC Relationship roles (Senior Manager and Chief Manager) are client- and portfolio-focused. These officers maintain relationships with existing corporate clients, source new-to-bank corporate borrowers, cross-sell ancillary business to both existing and new customers, monitor borrower accounts and ensure compliance, and prepare account plans with an opportunity-income analysis for each corporate relationship. If your strength lies in business development and managing corporate relationships rather than in pure appraisal, this is the track that fits. Both tracks also pick up additional assignments as delegated by management in line with evolving business needs.
We have broken down all 86 vacancies post by post and category by category — including how the 23 OBC, 20 EWS, 19 ST and 17 SC seats are distributed across the five positions and which posts have zero seats in your category — in our Bank of Baroda C & IC Vacancy Breakdown 2026.5. Eligibility Criteria
All five positions share the same educational requirement; what changes from post to post is the number of years and the depth of credit experience demanded. The educational qualification must be from a college, institute or university recognized by the Government of India or an approved regulatory body such as AICTE.
Common Educational Qualification: A graduation degree in any discipline, plus a Post Graduate Degree or Diploma with specialisation in Finance (or equivalent to Finance). A professional qualification — CA, CMA, CS or CFA — is accepted in place of the finance post-graduate qualification.
Note that post-qualification experience of less than six months in any single organisation (as on 1 June 2026) is not counted towards eligibility, except where it forms part of your current employment. Experience in a clerical cadre is also not considered.
On marks, candidates must report the percentage obtained in graduation and post-graduation to two decimals. Where a university awards CGPA or grades instead of percentages, convert the score to a percentage and carry the certificate stating the conversion norms to the interview. When applying any cut-off, the bank ignores the fractional part — so 59.99 percent is treated as below 60 percent, and 54.99 percent as below 55 percent.
The eligibility listed here is only the basic criterion for applying. Shortlisting and interview are provisional, and you will have to produce originals along with self-attested copies of your category, date-of-birth, educational and experience documents at the interview stage. Failure to produce any required document at that stage will end your candidature, so it is wise to assemble the full set — including appointment letters, salary slips and relieving letters that evidence your declared experience — well in advance.
Manager – Credit Analyst (MMG/S-II)
- Age 25 to 30 years
- Graduation + Finance PG / CA / CMA / CS / CFA
- Minimum 3 years of credit experience in any Public / Private / Foreign Bank or NBFC in India
Senior Manager – Credit Analyst (MMG/S-III)
- Age 28 to 35 years
- Graduation + Finance PG / CA / CMA / CS / CFA
- Minimum 6 years of credit experience in any Bank or Financial Institution in India
Chief Manager – Credit Analyst (SMG/S-IV)
- Age 32 to 42 years
- Graduation + Finance PG / CA / CMA / CS / CFA
- Minimum 8 years of experience, with at least 5 years in credit appraisal or processing of large / mid corporate credit
Senior Manager – C & IC Relationship (MMG/S-III)
- Age 28 to 35 years
- Graduation + Finance PG / CA / CMA / CS / CFA
- Minimum 6 years of experience, with at least 2 years handling MSME / Mid / Large Corporate Credit
Chief Manager – C & IC Relationship (SMG/S-IV)
- Age 32 to 42 years
- Graduation + Finance PG / CA / CMA / CS / CFA
- Minimum 8 years of experience, with at least 3 years handling MSME / Mid / Large Corporate Credit
On nationality, a candidate must be a citizen of India, or fall within one of the special categories — a subject of Nepal or Bhutan, a Tibetan refugee who settled in India before 1 January 1962, or a person of Indian origin who migrated from specified countries — in which case an eligibility certificate from the Government of India is required.
For the full post-wise qualification matrix, the list of accepted finance post-graduate degrees and professional certifications, the percentage-calculation rules for graduation marks, and the exact experience certificates you must produce at interview, see our Bank of Baroda C & IC Eligibility Criteria 2026 guide.6. Age Limit & Relaxation
Age is reckoned as on the crucial date of 1 June 2026. The base limits differ by grade, with the maximum age rising as the seniority of the post increases.
| Position | Minimum Age | Maximum Age |
|---|---|---|
| Manager – Credit Analyst | 25 years | 30 years |
| Senior Manager (both roles) | 28 years | 35 years |
| Chief Manager (both roles) | 32 years | 42 years |
The maximum age shown is for General category candidates. Upper-age relaxation is available as below, but only for those posts where reservation roster points are actually available.
| Category | Age Relaxation |
|---|---|
| Scheduled Caste / Scheduled Tribe (SC / ST) | 5 years |
| Other Backward Classes (Non-Creamy Layer) | 3 years |
| Persons with Disability (PwD) | Gen / EWS – 10 years; OBC – 13 years; SC / ST – 15 years |
| Ex-Servicemen / ECO / SSCO (5+ years service) | Gen / EWS – 5 years; OBC – 8 years; SC / ST – 10 years |
Note: OBC candidates in the creamy layer, or whose caste is not in the Central List, are not entitled to OBC reservation or age relaxation and must apply as General. Candidates seeking relaxation must keep the relevant certificates ready for the interview stage.
7. Salary & Pay Scales
Pay is governed by the industry-level bipartite settlement and the Joint Note applicable to officers in the banking sector. The starting basic pay depends on the grade you are appointed to, and the figures below are the basic-pay scales before allowances.
Basic Pay by Grade
On top of the basic pay, selected officers are entitled to Dearness Allowance (DA), House Rent Allowance (HRA) and other allowances, perquisites and bank-specific benefits as per the bank’s policies, all subject to periodic revision by the competent authority. The bipartite settlement that governs this pay also provides for periodic DA revisions linked to the consumer price index, so the gross salary tends to move upward over time even within the same basic-pay stage. HRA, in particular, varies with the city of posting, which means the in-hand figure for an officer posted in a metro can differ meaningfully from one posted in a smaller centre on the same basic pay.
Pro Tip: When comparing this offer with your current role, look at the gross package rather than the basic pay alone — DA and HRA add substantially to the in-hand figure, and a Scale III or Scale IV appointment carries a markedly higher all-in compensation than the basic numbers suggest.
8. Application Fee
The application fee is non-refundable and must be paid online. The amount depends on your category, and it is payable irrespective of whether an online test is eventually conducted and whether or not you are shortlisted.
| Category | Fee (Inclusive of GST) |
|---|---|
| General, EWS & OBC | ₹850 + payment gateway charges |
| SC, ST, PWD, ESM / DESM & Women | ₹175 + payment gateway charges |
Payment Modes: The fee can be paid using Debit Card, Credit Card, Internet Banking or UPI. Any transaction charges are borne by the candidate. On successful payment, save and print the e-receipt and the system-generated application form.
9. Selection Process
The selection process may combine several stages, and the bank reserves the right to add, modify or cancel any of them. In broad terms, the journey runs as follows.
Applications are screened against qualification, relevant experience and domain expertise. Meeting the minimum eligibility does not guarantee a call — the bank’s shortlisting criteria are internal and confidential.
An objective online examination of 225 marks may be held. Its structure, and the crucial point about which sections actually count towards your result, are explained in the next section.
Shortlisted candidates face a psychometric assessment and a personal interview to gauge personality, communication, problem-solving and willingness to serve anywhere in India. The qualifying mark for the interview is 60 percent for General and 55 percent for reserved categories.
Original documents are verified, and the final merit is built from the marks secured in the online test and / or the interview, as applicable. A candidate must clear every stage and rank sufficiently high to be allotted a post.
How many candidates are called at each stage is entirely at the bank’s discretion and depends on the number of vacancies and the cut-offs it fixes — merely clearing the minimum eligibility does not guarantee an interview call. Where an online test is held, candidates must clear each qualifying section and also secure a minimum aggregate to be shortlisted for the psychometric assessment or interview. Scores obtained in the online test are not disclosed to candidates until the selection process is complete, and the bank’s decision on shortlisting and selection is final and binding.
Tie-Breaker Rule: If two or more candidates score the same marks at the cut-off, they are ranked by age in descending order — the older candidate is placed higher in the merit list.
10. Online Exam Pattern
If the bank decides to hold a written test, it will follow the tentative structure below — 150 questions for 225 marks across four sections in a total of 150 minutes. All sections except English Language are bilingual (English and Hindi).
| # | Section | Questions | Marks | Medium |
|---|---|---|---|---|
| 1 | Reasoning | 25 | 25 | Bilingual |
| 2 | English Language | 25 | 25 | English |
| 3 | Quantitative Aptitude | 25 | 25 | Bilingual |
| 4 | Professional Knowledge | 75 | 150 | Bilingual |
| Total | 150 | 225 | 150 Minutes | |
Sections 1 to 3 (Reasoning, English and Quantitative Aptitude) are allotted 75 minutes together, and the Professional Knowledge section is allotted a separate 75 minutes.
The detail most candidates miss: Reasoning, English and Quantitative Aptitude are qualifying in nature only — you must clear them (40 percent for General / EWS, 35 percent for reserved categories) but the marks are NOT added to your final result. Your rank effectively rests on the 150-mark Professional Knowledge paper. Prepare accordingly.
Note: There is no negative marking for wrong answers, and an unattempted question carries no penalty — so it is worth attempting every question. The bank may also add or substitute a descriptive test or case study.
The practical takeaway for preparation is straightforward: treat Reasoning, English and Quantitative Aptitude as hurdles to be cleared comfortably rather than maximised, and invest the bulk of your effort in Professional Knowledge, where 75 questions carry 150 marks and effectively decide your rank. For corporate-credit roles, that paper typically draws on banking and credit fundamentals, financial-statement analysis, and current regulatory and economic awareness. Because nothing is deducted for a wrong answer, you should leave no question unattempted.
For a section-by-section syllabus, the likely Professional Knowledge topics for corporate-credit roles, and a marks-maximising attempt strategy built around the qualifying-versus-scoring split, see our Bank of Baroda C & IC Exam Pattern & Syllabus 2026 guide.11. Credit History, Service Bond & Conditions
Beyond the usual eligibility, this recruitment carries a few conditions that materially affect whether and how you should apply. Read these before you commit.
The credit-score condition is unusual for a recruitment of this kind and catches many applicants off guard, so it deserves attention early. A CIBIL score reflects your own record of repaying loans and credit-card dues, and the bank requires a minimum of 680 at joining precisely because these officers will themselves be judging the creditworthiness of corporate borrowers. If your score is below the mark or your report shows past defaults, it is sensible to pull your credit report now and start correcting errors or clearing overdue accounts — this is not something that can be fixed in the final week before joining.
Minimum CIBIL Score: A satisfactory credit history is mandatory. You need a minimum CIBIL score of 680 or above at the time of joining. Candidates who have defaulted on loans or credit-card dues, or who have adverse reports from CIBIL or other credit agencies, are treated as ineligible — and the bank can reject the candidature at any stage, including after joining.
Service Bond: Selected candidates must execute a service bond requiring a minimum of three years of service from the date of joining, or payment of ₹5 lakh in lieu of it. The bond period and amount are subject to revision and will be set out in the offer letter.
| Condition | Details |
|---|---|
| Probation Period | 12 months (1 year) of active service from joining |
| Place of Posting | Anywhere in India, at the bank’s discretion — only candidates willing to serve anywhere should apply |
| Biometric Verification | Thumb impression and / or IRIS scan and photograph captured and verified at the exam, interview and joining stages |
| NOC for Serving Employees | Candidates working in Government / Quasi-Government / PSU (including nationalised banks and FIs) must produce a No Objection Certificate at interview |
12. How to Apply
Applications are accepted online only — no other mode is entertained. Follow these steps before the 6 July 2026 deadline.
Before you start, keep a few things ready: a valid personal email ID and mobile number that will stay active through the entire process, your scanned documents in PDF (each under 500 KB), and a photograph and signature scanned to the exact dimensions noted in the next section. Applying a few days ahead of the deadline is strongly advised, because last-minute traffic on the portal can cause login or payment failures for which the bank accepts no responsibility.
Go to the Bank of Baroda website and open the Careers section, then Current Opportunities, at bankofbaroda.bank.in/career.htm.
Keep one active email ID and contact number for the entire process — all call letters and intimations are sent to the registered email.
Enter your details exactly as they appear on your certificates. Verify everything before submitting, because no edit or change is possible after you click submit.
Upload your resume, date-of-birth proof, educational certificates, experience letters, category certificate and pay slips, along with your photograph and signature, all in the prescribed formats described in the next section.
Pay the applicable fee through Debit Card, Credit Card, Internet Banking or UPI. The application is complete only once the fee is successfully paid.
After submission, take a printout of the system-generated application form and the e-receipt and keep them safely for future reference.
13. Document, Photo & Signature Specifications
Getting the upload specifications wrong is one of the most common reasons applications are rejected. All supporting documents must be in PDF format, A4 page size, and not larger than 500 KB each.
| Document | Requirement |
|---|---|
| Resume | |
| Date of Birth Proof | 10th marksheet / certificate (PDF) |
| Educational Certificates | All marksheets and certificates scanned into a single PDF |
| Work Experience Certificates | PDF, if applicable |
| Caste / Category Certificate | PDF, if applicable |
| PWD Certificate | PDF, if applicable |
| Pay Slip | PDF, if applicable |
The photograph and signature have their own strict specifications, and a mismatch between your application signature and your exam-day signature can lead to disqualification.
| Item | Specification |
|---|---|
| Photograph | Recent passport-style colour photo, light background, 200 × 230 pixels, 20–50 KB, JPG / JPEG |
| Signature | Signed with black ink on white paper, 140 × 60 pixels, 10–20 KB, JPG / JPEG |
Warning: A signature in CAPITAL LETTERS will NOT be accepted. Caps, hats and dark glasses are not allowed in the photograph. If the face in the photo or the signature is unclear, the application may be rejected — preview every upload before submitting.
14. General Instructions
- One application only: Submit a single application. If multiple applications are made, only the latest valid one is retained and other fees are forfeited.
- Category is final: The category declared in the online form cannot be changed at any stage after registration.
- Details are final: Name, date of birth, category, post applied for, address, email, mobile number and exam centre are treated as final — no modification is allowed after submission.
- Document verification: Shortlisting and selection are provisional and always subject to verification of all original documents.
- Character and antecedents: Applicants must disclose any pending criminal cases or disciplinary proceedings; adverse findings can lead to cancellation or termination.
- Misconduct: Using unfair means, impersonation, or carrying mobile phones into the exam hall can lead to disqualification and a ban from future bank exams.
- Updates: All corrigenda and updates are published only on the bank’s official website — check it and your registered email regularly.
- Jurisdiction: Any legal dispute arising from this advertisement falls under the exclusive jurisdiction of courts in Mumbai.
15. Frequently Asked Questions
Below are the most commonly asked questions about Bank of Baroda C & IC Recruitment 2026. If your question is not answered here, refer to the official notification or the Bank of Baroda career website for clarification.
16. Important Links
| Description | Link |
|---|---|
| Apply Online | Apply Here |
| Official Notification (Current Opportunities) | View Notification |
| Official Website | bankofbaroda.bank.in |
Frequently Asked Questions (FAQs)
The online application and fee payment must be completed by 6 July 2026. Registration opened on 16 June 2026, and an application is treated as complete only once the fee is paid online on or before the last date.
There are 86 vacancies across five positions — Manager and Senior/Chief Manager (Credit Analyst), and Senior and Chief Manager (C & IC Relationship).
As on 1 June 2026 the limits are 25–30 years for the Manager post, 28–35 years for Senior Manager posts and 32–42 years for Chief Manager posts. Age relaxation applies to SC/ST, OBC, PwD and Ex-Servicemen candidates where reservation roster points exist.
A graduation degree in any discipline plus a Post Graduate Degree or Diploma in Finance, or a professional qualification — CA, CMA, CS or CFA. Each post additionally requires post-qualification credit experience of 3 to 8 years depending on the grade.
The fee is ₹850 (inclusive of GST) for General, EWS and OBC candidates and ₹175 for SC, ST, PWD, Ex-Servicemen and Women candidates, plus payment gateway charges. The fee is non-refundable.
The bank may conduct an online test of 225 marks covering Reasoning, English Language, Quantitative Aptitude and Professional Knowledge. The selection process may also include a psychometric test, group discussion and/or a personal interview.
Only the Professional Knowledge section (75 questions, 150 marks) is counted for merit. Reasoning, English and Quantitative Aptitude are qualifying only — you must clear them (40% for General/EWS and 35% for reserved categories), but their marks are not added to the final score.
No. There is no negative marking for wrong answers, and questions left unattempted carry no penalty, so it is advisable to attempt every question.
A minimum CIBIL score of 680 is required at the time of joining. Candidates who have defaulted on loans or credit-card dues, or who have adverse credit reports, are treated as ineligible.
Yes. Selected candidates must execute a service bond to serve the bank for a minimum of three years, or pay ₹5 lakh in lieu of it. The bond terms are subject to revision and are confirmed in the offer letter.
The starting basic pay is ₹64,820 for MMG/S-II, ₹85,920 for MMG/S-III and ₹1,02,300 for SMG/S-IV, plus DA, HRA and other allowances as per the banking-sector bipartite settlement.
Apply online only through the Careers and Current Opportunities section of the Bank of Baroda website at bankofbaroda.bank.in/career.htm, and complete the fee payment before 6 July 2026.