1. Introduction - Understanding the Opportunity in Real Terms

Every year thousands of banking aspirants in India chase entry-level exams like IBPS PO or SBI Clerk. But only a small segment aims for specialized senior management roles where real strategic banking decisions are made.

The Bank of Baroda Deputy Vice President Recruitment 2026 is one such rare opening.

This is not a mass recruitment. It is a focused hiring drive for experienced professionals in corporate credit underwriting - specifically in the Power and Real Estate sectors. That alone makes it important.

In today’s banking environment, credit risk management and sector-specific underwriting have become the backbone of profitable banking operations. Large public sector banks like Bank of Baroda rely heavily on domain experts who can evaluate high-value corporate proposals.

If you already have experience in corporate banking, project finance, or sectoral credit analysis, this notification deserves your serious attention.

This article is not just about “how to apply.”
It is a practical mentor-style guide to help you decide:

  • Whether this job fits your profile
  • How to prepare for the selection process
  • What kind of career it actually offers

Let’s break it down intelligently.

2. Key Details at a Glance

ParticularDetails
OrganizationBank of Baroda
Post NameDeputy Vice President - Underwriting Specialist
DepartmentsPower Sector & Real Estate Sector
Total Vacancies2
Mode of ApplicationOnline
Job TypeContractual (Senior Management Role)
Minimum QualificationBachelor’s Degree
Relevant ExperienceMandatory in respective domain
Application Start Date06-02-2026
Last Date to Apply26-02-2026
Official Websitebankofbaroda.bank.in

3. Post-Wise Eligibility Explained in Practical Terms

What the Qualification Requirement Really Means

The notification mentions:

  • Bachelor’s Degree from a recognized university
  • Substantial relevant experience in:
    • Power sector (for one post)
    • Real Estate sector (for the other post)

Let’s decode this.

This job is NOT meant for freshers or early-career candidates.

Even though the minimum education is a bachelor’s degree, the real deciding factor is:

  • Experience in corporate credit
  • Project financing
  • Risk assessment
  • Large-scale underwriting

Who is Practically Suitable?

You are an ideal candidate if you have worked in roles such as:

  • Credit Manager in a bank
  • Corporate banking analyst
  • Relationship manager handling large corporate accounts
  • Project finance consultant
  • Risk analyst in NBFCs or financial institutions
  • Real estate or power sector financing professional

Clerical or purely operational banking experience will NOT be counted.

Important Hidden Filters

Many candidates miss these critical points:

  • Distance education degrees are not accepted
  • Clerical cadre experience is not considered
  • Minimum CIBIL score of 680 is mandatory
  • Less than 6 months of experience in any role is ignored

These are strict screening parameters.

4. Selection Process Breakdown - What Really Happens

Unlike typical IBPS or SBI exams, senior management recruitment works very differently.

Stages of Selection

  1. Application Scrutiny

    • Your resume and experience are analyzed in detail
    • Only highly relevant profiles get shortlisted

  2. Online Test / Screening (if required)

    • Domain-specific technical assessment

  3. Psychometric Test

    • Evaluates leadership, decision-making, and personality fit

  4. Personal Interview

    • Core deciding stage

Ground Reality of Shortlisting

In senior roles like this:

  • Only 8-10 candidates may be called per post
  • Experience quality matters more than marks
  • Interview performance is the final game-changer

Meeting eligibility does NOT guarantee an interview call.

5. How to Apply - Step-by-Step Guidance

Follow this structured approach:

  1. Go to the official Bank of Baroda website
  2. Open “Careers → Current Opportunities”
  3. Select Corporate & Institutional Credit Recruitment
  4. Click on Apply Online
  5. Register with a valid email ID
  6. Fill details carefully
  7. Upload required documents
  8. Pay the application fee
  9. Submit and save the application copy

Common Application Mistakes to Avoid

  • Using unofficial email IDs
  • Uploading unclear experience certificates
  • Wrong document formats
  • Incomplete job descriptions
  • Mismatch in dates between resume and certificates

At senior levels, even small errors can cost you the interview call.

6. Salary, Perks & Career Growth Reality

How Salary is Decided

Unlike entry-level bank jobs with fixed pay scales, this post offers:

  • Market-linked compensation
  • Negotiable CTC
  • Pay based on:
    • Last drawn salary
    • Experience quality
    • Sector expertise

What You Can Expect

Typically for such roles:

  • Senior management grade compensation
  • Additional allowances
  • Corporate banking exposure
  • High-responsibility profile
  • Nationwide posting possibilities

Career Growth Path

A Deputy Vice President in C&IC department can move towards:

  • Vice President
  • Senior Credit Head
  • Zonal Credit Manager
  • Corporate Banking Leadership Roles

This role can redefine your long-term banking career.

7. Preparation Strategy - Focused for Senior Banking Roles

This is not a traditional competitive exam, so preparation must be profile-oriented.

Areas You Must Prepare

Domain Knowledge

  • Credit appraisal techniques
  • Financial statement analysis
  • Sector-specific risk factors
  • RBI credit policies
  • NPA management

Interview Preparation

Be ready to answer:

  • How you analyzed previous credit proposals
  • Case studies from your experience
  • Sector outlook on Power/Real Estate
  • Risk mitigation strategies

30-Day Preparation Plan

  • Revise credit concepts - 10 days
  • Study sector trends - 7 days
  • Mock interviews - 5 days
  • Documentation readiness - 3 days
  • Company research - 5 days

8. Pros & Cons of This Recruitment

Pros

  • Senior-level entry
  • Prestigious PSU bank
  • Specialized profile
  • Attractive compensation
  • Direct corporate banking exposure

Cons

  • High competition
  • Limited vacancies
  • Strict shortlisting
  • Transfer liability

9. Checklist for Serious Applicants

Before applying, ensure:

  • Updated professional resume
  • Experience certificates
  • Salary slips
  • Educational documents
  • CIBIL score above 680
  • Correct photo and signature
  • Valid email and mobile number

Do not apply casually. This is a profile-based recruitment.

10. Final Words - Honest Career Advice

This Bank of Baroda recruitment is NOT for general banking aspirants preparing for PO/Clerk exams.

It is for:

  • Serious banking professionals
  • Credit specialists
  • Project finance experts

If your profile matches, this is a golden chance to step into a top-tier PSU bank at a senior level.

If it doesn’t match, don’t force-fit your application. Instead, focus on building the right experience first.

Banking careers are long marathons, not short sprints.

11. Frequently Asked Questions

Q1. Can freshers apply?
No. Substantial relevant experience is mandatory.

Q2. Is MBA compulsory?
No. But it is highly desirable.

Q3. Is there a written exam?
Possibly, but final selection is interview-centric.

Q4. Are these permanent posts?
No. These are contractual senior management roles.

Q5. Can candidates from NBFCs apply?
Yes, if experience is relevant to underwriting and corporate credit.

Apply Now

Apply Link: https://bankofbaroda.bank.in/career/current-opportunities/corporate-and-institutional-credit-c-ic-department-26-02