Bank of Baroda Recruitment 2026: MSME Banking Jobs – 166 Vacancies for Manager & Senior Manager

Bank of Baroda, one of India's largest public sector banks, has just released a new recruitment notification for experienced professionals in their MSME Banking Department. If you have been working in banking, credit processing, or as an analyst with RBI-approved rating agencies, this could be your chance to join a leading public sector bank.

This recruitment drive aims to fill 166 vacancies across three positions. The roles are for Senior Manager MSME Relationship, Senior Manager Credit Analyst, and Manager Credit Analyst. All positions are on a regular basis, which means you get all the benefits of a permanent bank officer.

Let me break down everything you need to know in simple terms. No complicated jargon, just the facts you need to decide if you should apply.

Quick Snapshot: What You Need to Know

The Three Positions Available

Position 1: Senior Manager – MSME Relationship (113 Vacancies)

This is the largest number of vacancies in this recruitment. If you have experience in sales and relationship management, especially with MSME clients, this role might suit you.

Age: You should be between 30 and 40 years old as on February 1, 2026.

Education: You must be a graduate in any discipline. That is the mandatory requirement.

If you have a two-year full-time MBA or PGDM in Finance, Marketing, Sales, or Banking, that will be preferred. But it is not mandatory, so graduates with the right experience can still apply.

Experience: You need a minimum of eight years in banking. Out of these eight years, at least four years must be in credit processing or sales of loan products. This experience should be with any bank, NBFC, or financial institution in India.

If you have specific experience in MSME credit processing or sales of MSME loans, that will give you an advantage.

Position 2: Senior Manager – Credit Analyst (19 Vacancies)

This role is more specialized for those who have been working in credit analysis and processing.

Age: You should be between 29 and 37 years old as on February 1, 2026.

Education: Graduation in any discipline is mandatory.

If you are a CA, CFA, CMA, or have a two-year full-time MBA or PGDM in Finance, that will be preferred.

Experience: You need a minimum of six years in credit processing with any bank, NBFC, or financial institution in India.

Alternatively, if you have worked as an analyst with RBI-approved rating agencies for six years, that also counts.

Here is an important relaxation: If you are a CA or CMA, you only need five years of experience instead of six.

Experience in MSME credit processing is preferred.

Position 3: Manager – Credit Analyst (34 Vacancies)

This is for professionals with relatively fewer years of experience but strong skills in credit analysis.

Age: You should be between 25 and 34 years old as on February 1, 2026.

Education: Graduation in any discipline is mandatory.

CA, CFA, CMA, or two-year full-time MBA or PGDM in Finance is preferred.

Experience: You need a minimum of three years in credit processing with any bank, NBFC, or financial institution in India.

Or, three years as an analyst with RBI-approved rating agencies.

If you are a CA or CMA, you only need two years of experience.

MSME credit processing experience is preferred.

Category-Wise Breakdown of Vacancies

The bank has followed government reservation norms while allocating these vacancies. Here is how the 166 posts are distributed.

For Scheduled Caste candidates, there are 47 vacancies. Scheduled Tribe candidates have 27 vacancies. Other Backward Classes have 49 vacancies. Economically Weaker Sections have 37 vacancies. The Unreserved or General category has 6 vacancies.

For Persons with Disabilities, there are 16 vacancies. This includes 4 for Orthopedically Challenged, 5 for Hearing Impaired, 4 for Visually Impaired, and 3 for Intellectually Disabled candidates.

Age Relaxation: Who Gets How Much

The upper age limit mentioned above is for General category candidates. If you belong to a reserved category, you get additional relaxation.

SC and ST candidates get 5 years of relaxation.

OBC candidates belonging to Non-Creamy Layer get 3 years of relaxation.

For Persons with Disability, General and EWS candidates get 10 years, OBC candidates get 13 years, and SC and ST candidates get 15 years.

For Ex-servicemen who have rendered at least five years of military service, General and EWS candidates get 5 years, OBC candidates get 8 years, and SC and ST candidates get 10 years.

Application Fees: How Much You Need to Pay

The application fee is non-refundable and must be paid online.

For General, EWS, and OBC candidates, the fee is Rs. 850 plus GST and payment gateway charges. This comes to approximately Rs. 850 plus a small transaction fee.

For SC, ST, PWD, Ex-Servicemen, and Women candidates, the fee is Rs. 175 plus GST and payment gateway charges.

You can pay using debit card, credit card, internet banking, or UPI.

Salary: What You Will Earn

Bank of Baroda offers salaries as per industry-level bipartite settlements for banking officers. This means you get the same pay scale as officers in other public sector banks.

For the Manager position in MMG Scale II, the basic pay starts at Rs. 64,820. With annual increments, it can go up to Rs. 93,960.

For the Senior Manager position in MMG Scale III, the basic pay starts at Rs. 85,920 and can go up to Rs. 1,05,280.

On top of basic pay, you get dearness allowance, house rent allowance, city compensatory allowance, medical insurance, leave fare concession, and concessional interest rates on loans. The total monthly emoluments typically range between Rs. 90,000 to Rs. 1,50,000 depending on your location and allowances.

Credit History: Important Requirement

Bank of Baroda takes your credit history seriously. You must have a minimum CIBIL score of 680 or above at the time of joining.

If you have ever defaulted on repayment of loans or credit card dues, or if there are any adverse reports against you from CIBIL or other credit rating agencies, you will be considered ineligible.

The bank can reject your candidature at any stage, even after you have joined, if your credit profile is found unsatisfactory. So make sure your credit history is clean before applying.

Probation Period and Service Bond

Once selected, you will be on probation for twelve months from the date of joining. This means your performance will be closely monitored during this period.

You also need to sign a service bond. Currently, the bond requires you to serve the bank for a minimum of three years. If you leave before completing three years, you have to pay Rs. 5,00,000 as compensation to the bank.

The bond terms may change as per bank policies, but this is what currently applies.

Selection Process: How They Will Choose Candidates

The selection process is designed to pick the best candidates. It may include multiple stages.

First, there will be application scrutiny. The bank will check if you meet the basic eligibility criteria.

Then, if the bank decides to conduct an online test, you will have to appear for that. The test structure is given below.

After the online test, there may be a psychometric test to assess your personality and suitability for the role.

Shortlisted candidates will then be called for a group discussion and personal interview.

Throughout the process, the bank will assess your communication skills, problem-solving ability, clarity of thought, efficiency, and willingness to work anywhere in India.

Meeting the minimum eligibility does not automatically mean you will be called for an interview. The bank will shortlist candidates based on qualifications, experience, domain expertise, and other criteria. This shortlisting is internal and confidential, so you will not know the exact cut-offs.

Online Test Structure: What to Expect

If the bank conducts an online written test, here is how it will be structured.

There will be four sections. The first three sections are qualifying in nature, which means you just need to pass them. Your final selection will be based on the fourth section and interview.

Section 1: Reasoning – 25 questions for 25 marks. You get 75 minutes for this along with the next two sections. This section is bilingual, available in English and Hindi.

Section 2: English Language – 25 questions for 25 marks. This section is only in English.

Section 3: Quantitative Aptitude – 25 questions for 25 marks. This is bilingual.

Section 4: Professional Knowledge – 75 questions for 150 marks. You get 75 minutes for this section. It is bilingual and covers topics related to your domain.

The total duration of the exam is 150 minutes.

To qualify in the first three sections, General and EWS candidates need to score at least 40 percent. Reserved category candidates need 35 percent.

Here is the best part – there is no negative marking. If you attempt a question and get it wrong, you do not lose marks. If you leave a question blank, there is no penalty.

Important Dates to Remember

Online application starts on February 6, 2026.

Last date to submit your application and pay the fees is February 26, 2026.

All eligibility criteria are calculated as on February 1, 2026.

The date for the online test, if conducted, will be announced later on the bank's website.

How to Apply: Step by Step

Applying is simple and completely online. You do not need to send any physical documents by post.

First, visit the official Bank of Baroda website at bankofbaroda.bank.in.

Go to the Careers section and click on Current Opportunities. You will find the link for this recruitment.

Click on the link and register yourself. You will need a valid personal email ID and mobile number. Keep these active until the recruitment process is over because all communication will come on your email.

Fill in the online application form carefully. Double-check all the details before submitting because you cannot make changes after clicking the submit button.

Upload your photograph, signature, and all required documents as per the specifications given below.

Pay the application fee online using debit card, credit card, internet banking, or UPI.

After successful payment, you will get an acknowledgement number and a copy of your application form. Download and print these for future reference.

Apply well before the last date to avoid any last-minute technical issues. The bank is not responsible if you cannot apply due to heavy internet traffic or website problems on the closing day.

Only one application per candidate is allowed. If you submit multiple applications, only the last one will be considered, and the fees for other applications will be forfeited.

Documents You Need to Upload

Keep these documents ready in digital format before you start your application. All documents should be in PDF format, and each file should not exceed 500 KB.

Your updated resume in PDF.

Date of birth proof – this can be your 10th marksheet or certificate.

All educational certificates and mark sheets from graduation onwards. Scan them into a single PDF file.

Work experience certificates from all employers where you gained the required experience.

Caste or category certificate if you are applying under SC, ST, OBC, or EWS category. Make sure it is in the format prescribed by the Government of India.

PWD certificate if you are applying under Persons with Disability category.

Latest pay slips if applicable.

Photograph and Signature Guidelines

Your photograph must be a recent passport-size color picture. It should be taken against a light background, preferably white. Look straight at the camera with a relaxed face. No caps, hats, or dark glasses. Religious headwear is allowed but should not cover your face.

The photograph dimensions should be 200 by 230 pixels. File size should be between 20 KB and 50 KB. Format should be JPG or JPEG.

For your signature, use a black ink pen on white paper. Sign only with your normal signature, not in capital letters. The signature should be clear and match the one you will use on documents later.

Signature dimensions should be 140 by 60 pixels. File size should be between 10 KB and 20 KB. Format should be JPG or JPEG.

If your photograph or signature is not clear, your application may be rejected. So take care to upload good quality scans.

Roles and Responsibilities: What You Will Do

For Senior Manager MSME Relationship

Your main job will be to find new business opportunities and bring in new MSME clients. You will conduct customer outreach programs and promote the bank's MSME products.

You have to achieve targets in terms of revenue and volume. This means you need to be good at sales and relationship management.

You will deepen relationships with existing MSME clients and also cross-sell other banking products to them.

Creating account plans for MSME borrowers and analyzing opportunity income is part of your role.

You need to keep an eye on what competitors are doing and understand market trends.

Regular communication with higher authorities about your client portfolio is expected.

Managing account receivables and following up on long outstanding debts is also your responsibility.

You will support relationship managers in smoothly onboarding new MSME business.

Negotiating deals and interacting with people at various levels is a key part of the job.

You should be able to identify key issues in complex problems and make effective decisions.

Assessing financial statements, understanding profit and loss, checking ratings, and conducting preliminary due diligence are all part of the role.

For Senior Manager Credit Analyst and Manager Credit Analyst

Your primary responsibility is credit analysis. You will analyze financial statements, appraise MSME credit proposals, and assess their viability.

You will monitor credit and follow up on existing accounts.

Conducting due diligence of credit proposals is a key function.

Credit administration and monitoring will be your daily tasks.

You need to identify key issues in complex problems and use that analysis for effective decision making.

Supporting branches and relationship managers in onboarding new MSME borrowers is expected. You have to help achieve advance targets in terms of number of accounts and loan volume.

Adhering to turnaround time is crucial. You must process fresh and review credit proposals within the stipulated time.

You will undertake visits to units and properties offered as security, both before and after sanction.

Compliance with statutory requirements and bank guidelines is mandatory.

Rectifying irregularities pointed out in credit audit, legal audit, and internal audit is part of your responsibility.

Important Notes for Candidates

Your application is complete only when you have successfully paid the fees online. Keep the acknowledgement number safe.

Before applying, double-check that you meet all eligibility criteria. Shortlisting is provisional, but final selection depends on document verification.

Keep checking the bank's website for updates. All changes and corrections will be posted there.

Your email ID must be active throughout the recruitment process. All call letters and important information will be sent by email.

Only apply if you are willing to serve anywhere in India. The bank can post you to any branch or office across the country.

Educational qualifications must be from a recognized university or institute approved by government bodies.

Experience of less than six months in any organization will not be counted, unless it is part of your current employment.

Clerical experience does not count for these officer positions.

You cannot change your category after submitting the application. Choose carefully.

OBC candidates in the creamy layer are not entitled to reservation. They should apply as General category.

EWS candidates need an Income and Asset Certificate in the prescribed format from a competent authority.

SC, ST, OBC, and PWD candidates must submit their certificates in the format prescribed by the Government of India.

The number of vacancies may change based on bank requirements.

Frequently Asked Questions

What is the last date to apply for Bank of Baroda MSME Recruitment 2026?

The last date is February 26, 2026. Make sure you complete your application and fee payment before this date.

How many vacancies are there?

There are 166 vacancies in total. Senior Manager MSME Relationship has 113 vacancies, Senior Manager Credit Analyst has 19 vacancies, and Manager Credit Analyst has 34 vacancies.

What is the age limit for Senior Manager MSME Relationship?

You should be between 30 and 40 years old as on February 1, 2026.

I am a CA. Do I get any relaxation in experience?

Yes, for credit analyst positions, if you are a CA or CMA, you need one year less experience than the standard requirement. For Senior Manager Credit Analyst, CA candidates need 5 years instead of 6. For Manager Credit Analyst, CA candidates need 2 years instead of 3.

What is the application fee for SC candidates?

SC candidates need to pay Rs. 175 plus GST and payment gateway charges.

Is there negative marking in the online exam?

No, there is no negative marking. You can attempt all questions without fear of losing marks.

What is the probation period?

The probation period is 12 months from the date of joining.

Do I have to sign a bond?

Yes, selected candidates have to sign a service bond for three years. If you leave before three years, you have to pay Rs. 5,00,000.

What is the minimum CIBIL score required?

You need a CIBIL score of 680 or above at the time of joining.

Can I apply for more than one position?

No, you can apply for only one position. Multiple applications will lead to only the last one being considered.

Will I get age relaxation if I belong to OBC?

Yes, OBC candidates in Non-Creamy Layer get 3 years age relaxation.

Where will I be posted?

You can be posted anywhere in India. The bank decides your posting location.

How will I get updates about the recruitment?

Regularly check the Bank of Baroda website and your registered email. All updates will be sent by email and posted on the website.

What if I am currently working in another bank or government job?

You need to produce a No Objection Certificate from your employer at the time of interview. Without this, you may not be allowed to appear for the interview.

What documents do I need to carry for the interview?

You need your interview call letter, application form printout, photo ID proof, date of birth proof, all educational certificates, experience certificates, caste certificate if applicable, disability certificate if applicable, and NOC from current employer if applicable.

Final Words of Advice

Bank of Baroda is one of India's largest and most respected public sector banks. A job here offers stability, good salary, and career growth opportunities.

If you meet the eligibility criteria, do not wait until the last day to apply. Technical issues can happen anytime. Apply as early as possible.

Fill the form carefully. One small mistake in your date of birth or email ID can cause problems later.

Keep all your documents scanned and ready before you start the application.

After applying, keep checking your email and the bank's website regularly. You do not want to miss any important update.

For the latest and most accurate information, always visit the official Bank of Baroda website at bankofbaroda.bank.in and go to the Careers section.

Good luck with your application. I hope you make it through and join one of India's finest banks.