Bank of Baroda C&IC Recruitment 2026 – Apply Online for 86 Manager & Senior Manager Posts

Bank of Baroda C&IC Recruitment 2026 has opened with 86 vacancies across five officer-level posts in the bank’s Corporate and Institutional Credit (C&IC) department. If you have a finance postgraduate degree or a CA/CMA/CS/CFA qualification and hands-on credit experience in a bank or Non-Banking Financial Company (NBFC), this is one of the best banking officer openings of the year. The application window is already live and closes on 6 July 2026 — so there is very little time to waste.

These are specialist roles that sit squarely in the upper rungs of the bank’s officer cadre, ranging from Middle Management Grade/Scale II (MMG/S-II) all the way to Senior Management Grade/Scale IV (SMG/S-IV). Salary at the Chief Manager level can go up to ₹1,20,940 basic pay. Here is everything you need to know before you hit the apply button.

📌 Also Read: Bank of Baroda Recruitment 2026 – Earlier Notification & Overview

Bank of Baroda C&IC Recruitment 2026 – Quick Overview

Important Dates

⚠️ Don’t wait for the last day! Government and PSU portals tend to slow down or crash near deadlines — apply at least 3 to 4 days early.

Your registration is considered complete only after the fee is paid successfully. The bank will notify shortlisted candidates of the test date separately via their registered email.

Vacancy Details – All 5 Posts at a Glance

The 86 vacancies are split across two job families: Credit Analyst posts (focused on evaluating corporate credit proposals) and C&IC Relationship posts (focused on acquiring and managing corporate clients).

Credit Analyst Posts

C&IC Relationship Posts

Senior Manager – Credit Analyst alone has 38 seats, making it the single largest opportunity in this recruitment drive.

Eligibility Criteria for Bank of Baroda C&IC Recruitment 2026

Educational Qualification

The qualification bar is the same for all five posts. You need:

• A graduation degree in any discipline, plus a postgraduate degree or diploma with Finance specialisation, OR
• A professional qualification: CA (Chartered Accountant), CMA (Cost Management Accountant), CS (Company Secretary), or CFA (Chartered Financial Analyst)

A general MBA without a Finance specialisation will not qualify — the bank specifically requires finance-focused academics alongside relevant credit experience.

Age Limit (as on 1 June 2026)

Work Experience Required

✅ Important: Experience of less than 6 months in any single organisation (as on 1 June 2026) will not be counted unless it is part of your current employment. Time spent in a clerical cadre is excluded entirely.

Age Relaxation for Reserved Categories

OBC candidates who fall under the creamy layer are not eligible for OBC reservation or age relaxation — they must apply as General category candidates.

Category-wise Vacancy Breakdown

Reservation is applied separately for each post rather than from a combined pool. Here is how the 86 seats are distributed:

Economically Weaker Section (EWS) candidates must hold a valid Income and Asset Certificate issued by a competent authority. There is no reservation for ex-servicemen in this officers’ cadre recruitment.

Bank of Baroda C&IC Recruitment 2026 – Salary and Pay Scale

The pay structure follows the bipartite settlement scale used across the banking industry. Besides the basic pay, selected officers also get House Rent Allowance (HRA), Dearness Allowance (DA), and other perks as per bank policy.

At the Senior Manager grade, the annual salary package (including allowances) typically works out to ₹14–18 lakh per annum for a mid-level officer in a metro posting, though the exact in-hand figure depends on city classification, lease/HRA, and applicable deductions.

CIBIL Score Condition – A Unique Requirement for This Recruitment

Unlike most bank or government recruitment notifications, this advertisement includes a personal credit score check. You must have a minimum CIBIL score of 680 at the time of joining.

If you have ever defaulted on a loan EMI, credit card dues, or have adverse records with any credit bureau, you may be deemed ineligible — even if you clear all stages of selection. Check your CIBIL score before applying. A free annual check is available through the official CIBIL website.

Service Bond – What You Are Committing To

Selected candidates are required to sign a service bond before joining. The conditions are:

• Probation period: 12 months of active service from the date of joining
• Minimum service commitment: 3 years from the date of joining
• Bond amount: ₹5 lakh payable if you leave the bank before completing 3 years

This is a binding financial commitment, so factor it in before applying — especially if you are currently employed and may have competing opportunities.

Application Fee

The fee is non-refundable and must be paid online at the time of registration.

Payment modes accepted: Debit Card, Credit Card, Net Banking, and UPI.

Selection Process for Bank of Baroda C&IC Recruitment 2026

The bank may conduct any combination of the following stages, and it reserves the right to skip any stage depending on the number of applicants:

1. Application Scrutiny – Your form and documents are checked for basic eligibility
2. Online Test – A 150-mark, 150-minute written examination (details below)
3. Psychometric Assessment – Personality and aptitude evaluation
4. Group Discussion – Communication and analytical skills assessment (if applicable)
5. Personal Interview – Final stage; qualifying marks are 60% for General/EWS and 55% for Reserved categories

Online Exam Pattern (Tentative)

Sections 1 to 3 (Reasoning, English, Quant) are qualifying only — you need 40% (General/EWS) or 35% (Reserved) to pass each. Only the Professional Knowledge section score counts toward the merit list. There is no negative marking anywhere in the test.

💡 Pro Tip: Professional Knowledge carries 150 out of 225 total marks — this section alone will make or break your selection. Focus your preparation on credit appraisal concepts, financial analysis, banking regulations (RBI guidelines), and corporate finance fundamentals.

What Is the Actual Job? Credit Analyst vs. C&IC Relationship

Knowing the difference between these two roles helps you decide which to apply for — and prepare your interview answer when asked.

Credit Analyst (Manager / Senior Manager / Chief Manager): Your primary job is to evaluate corporate credit proposals. You will study financial statements, assess industry and business risks, prepare appraisal notes, coordinate with Relationship Managers, and ensure credit files are compliant with RBI and bank norms. It is an analysis-heavy, documentation-intensive role.

C&IC Relationship (Senior Manager / Chief Manager): This is a client-facing, business development role. You will source new corporate borrowers, manage existing corporate client relationships, cross-sell ancillary products (trade finance, treasury, forex), and create account plans with revenue projections. If you enjoy meeting clients and building relationships, this role suits you better.

Both roles require strong credit understanding, but the day-to-day feel is quite different.

📌 Also Read: SBI SCO Recruitment 2026 – Apply Online for Specialist Officer Posts

How to Apply for Bank of Baroda C&IC Recruitment 2026

Applications are accepted only through the bank’s official website. No postal or offline applications will be considered.

1. Go to www.bankofbaroda.bank.in → Careers → Current Opportunities.
2. Click the link for BOB C&IC Recruitment 2026 (Advertisement No. BOB/HRM/REC/ADVT/2026/10).
3. Register with your personal email ID and active mobile number — keep these accessible throughout the recruitment process.
4. Fill in your personal, educational qualification, and work experience details carefully. No edits are allowed after final submission.
5. Upload your photograph (200 × 230 pixels, 20–50 KB, JPG/JPEG) and signature (140 × 60 pixels, 10–20 KB, JPG/JPEG — sign in normal handwriting, not block letters).
6. Upload supporting documents as PDFs on A4 size (max 500 KB each): Date of Birth proof, education certificates (combined), category certificate, experience proof, and resume.
7. Pay the application fee online using Debit Card, Credit Card, Net Banking, or UPI.
8. Download and print the system-generated application form and fee payment receipt.

💡 Pro Tip: Keep scanned copies of your appointment letters, latest salary slips, and relieving letters ready before you start — you will need them to prove work experience at the interview stage.

Documents You Will Need at the Interview Stage

You do not need to upload every certificate during online registration, but carry originals plus self-attested photocopies of the following to the interview:

• Interview call letter and printed application form
• Date of Birth proof (Std. X marksheet or Birth Certificate)
• Valid photo identity proof — PAN Card, Passport, Driving Licence, Voter’s ID, or Aadhaar (Ration Card is not accepted)
• All semester/year-wise mark sheets and degree certificates
• Caste certificate (SC/ST/OBC with non-creamy-layer clause) where applicable
• Income and Asset Certificate for EWS candidates
• Disability certificate for PwBD candidates
• Discharge book and rank proof for ex-servicemen
• No Objection Certificate from current employer if you are a government or PSU employee
• Experience proof: appointment letters, salary slips, or relieving letters

Common Mistakes to Avoid

Several avoidable errors can disqualify an otherwise eligible candidate:

• Assuming a general PG degree qualifies — only a Finance-specialised postgraduate degree/diploma or CA/CMA/CS/CFA is accepted
• Not checking your CIBIL score before applying — a score below 680 can result in rejection even after the interview
• Counting clerical-cadre experience — this is explicitly excluded from eligibility calculations
• Including short tenures of under 6 months from previous organisations — these are not counted
• Submitting multiple applications — only the latest valid application is retained; earlier fees are forfeited
• Selecting the wrong category — no change is allowed after registration, and an unsupported EWS or OBC claim can cancel your candidature
• Ignoring the service bond — ₹5 lakh is a significant financial commitment; decide with full awareness
• Waiting until 6 July to apply — PSU portals often see heavy traffic on deadline day

📌 Also Read: Latest Government Job Notifications 2026 – All Central & PSU Vacancies

Important Links

Frequently Asked Questions – Bank of Baroda C&IC Recruitment 2026

Summing Up…

Bank of Baroda C&IC Recruitment 2026 is one of the most attractive officer-level openings in the banking sector this year. With 86 vacancies at the Manager, Senior Manager, and Chief Manager grades, a structured pay scale reaching up to ₹1,20,940 in basic pay, and a clearly defined role in corporate credit — this is a genuine career opportunity for experienced banking professionals.

The application window closes on 6 July 2026, and with fewer than three weeks left, the time to act is now. Check your eligibility, verify your CIBIL score, gather your experience documents, and apply well before the deadline.

Stay ahead of application deadlines — follow Govtserviceinfo.com for daily Sarkari Naukri alerts and bank job updates delivered as soon as they are announced.

Disclaimer: This article is based on the official Bank of Baroda C&IC Recruitment 2026 advertisement (BOB/HRM/REC/ADVT/2026/10) published on the bank’s website. Govtserviceinfo.com is an independent information platform and is not affiliated with Bank of Baroda or any government body. Candidates are advised to verify all details from the official notification at bankofbaroda.bank.in before applying. Recruitment rules, dates, and eligibility conditions are subject to change by the bank without prior notice.