The Bank of India (BOI) is on the final countdown for its major recruitment drive for experienced banking professionals. The online application window for the coveted position of Credit Officer under the General Banking Officer (GBO) stream will close definitively tomorrow, January 5, 2026. This presents a final opportunity for eligible candidates to apply for a substantial 514 vacancies across various management scales.
Vacancy Distribution and Reservation Details
The Bank of India has structured these 514 Credit Officer posts across three distinct management grades, catering to different experience levels. The breakdown is as follows: 36 posts in Senior Management Grade Scale-IV (SMGS-IV), 60 posts in Middle Management Grade Scale-III (MMGS-III), and the bulk, 418 posts in Middle Management Grade Scale-II (MMGS-II).
In adherence to the Government of India's directives, the recruitment will follow the prescribed reservation policy for candidates belonging to Scheduled Caste (SC), Scheduled Tribe (ST), Other Backward Classes (OBC), Economically Weaker Section (EWS), and Persons with Benchmark Disabilities (PwBD).
Eligibility Criteria: Age, Education, and Experience
Prospective applicants must carefully review the eligibility parameters set by Bank of India. The primary educational requirement is a graduation degree from a recognised university. However, the bank has shown a strong preference for candidates holding professional qualifications like Chartered Accountant (CA), Chartered Financial Analyst (CFA), ICWA, or an MBA/PGDBM in Banking or Finance, depending on the specific post and scale.
The age limit varies with the scale, calculated as of November 1, 2025. For MMGS-II, candidates must be between 25 and 35 years. For MMGS-III, the age bracket is 28 to 38 years, and for SMGS-IV, it is 30 to 40 years. Applicable age relaxation will be provided for SC, ST, OBC, PwBD, and Ex-Servicemen candidates as per government norms.
Experience is a critical component of this recruitment. For MMGS-II, a minimum of 3 years of officer-level experience post-qualification is required, with at least 2 years specifically in MSME, corporate, or commercial credit. For the higher scales, MMGS-III and SMGS-IV, candidates need a more extensive 5 to 8 years of relevant experience in banking and credit-related roles.
Application Process and Selection Stages
Interested and eligible candidates must submit their applications exclusively through the official Bank of India website at bankofindia.bank.in before the deadline lapses. The process involves navigating to the 'Careers' section, finding the relevant advertisement for 'Recruitment of Credit Officers in GBO Stream 2025-26', and completing the online registration and fee payment process. It is crucial to save the registration credentials and a screenshot of the final confirmation page.
The selection of candidates will be a multi-stage process. It will commence with the shortlisting of applications based on the submitted details. This will be followed by an online examination and/or interview, the format of which will depend on the volume of applicants. The examination is designed to assess professional knowledge, reasoning ability, quantitative aptitude, and concepts related to credit and risk management.
With less than a day remaining, aspirants for these prestigious positions in one of India's leading public sector banks are advised to act swiftly. Candidates should also make it a habit to regularly check the official BOI website for any last-minute updates or notifications regarding the recruitment process.
