Group Company: AU Small Finance Bank Limited

Designation: Gold Appraiser - Gold Loan

Office Location:

Position description: #*Position description*#

Primary Responsibilities: #*Primary Responsibilities*#

Additional Responsibilities: #*Additional Responsibilities*#

Reporting Team

Reporting Designation: #*Reporting Designation*#
Reporting Department: #*Reporting Department*#

Educational Qualifications Preferred

#*Education and Experience*#

Category: #*Category*#
Field specialization: #*Field specialization*#
Degree: #*Degree*#
Academic score: #*Academic score*#
Institution tier: #*Institution tier*#

Required Certification/s: #*Required Certification/s*#

Required Training/s: #*Required Training/s*#

Required Work Experience

Industry: #*Industry*#
Role: #*Role*#
Years of experience: #*Years of experience*#

Job Brief:- AU Small Finance Bank Limited is seeking a meticulous and experienced professional to join our Operations and Services team, specializing in the evaluation and appraisal of gold assets for loan processing. This role demands a deep understanding of gold valuation techniques, market trends, and regulatory compliance to ensure accurate assessment and risk mitigation. The ideal candidate will play a critical role in supporting the bank's gold loan portfolio by providing precise appraisals that uphold the institution's standards of financial integrity and customer trust.

Responsibilities:-

Conduct thorough physical inspection and verification of gold items submitted for loan processing, ensuring authenticity and purity.
Evaluate the market value of gold based on current rates, weight, and quality, applying standardized appraisal methodologies.
Maintain up-to-date knowledge of gold market trends, pricing fluctuations, and regulatory guidelines affecting gold loan operations.
Prepare detailed appraisal reports and documentation to support loan sanctioning decisions and audit requirements.
Collaborate with loan officers and operations teams to facilitate smooth processing of gold loan applications.
Ensure compliance with internal policies and external regulatory requirements related to gold asset evaluation and loan disbursement.
Identify and report any discrepancies or potential fraud in gold submissions to the relevant authorities within the bank.
Participate in periodic training and development programs to enhance appraisal techniques and industry knowledge.
Manage and maintain appraisal equipment and tools to ensure accuracy and reliability in assessments.
Support the resolution of customer queries related to gold valuation and loan terms with professionalism and clarity.

Skill:-

Gold Purity Testing
Market Price Analysis
Risk Assessment
Regulatory Compliance
Report Writing
Customer Service
Fraud Detection
Appraisal Equipment Handling
Attention to Detail
Collaboration and Communication

Preferred Qualifications:-

Bachelor's degree in Commerce, Finance, or a related field; certification in gemology or precious metals appraisal is highly desirable.
Minimum of 3-5 years of experience in gold appraisal or a similar role within the financial services or jewelry industry, preferably with exposure to gold loan operations.

Key Performance Indicators: #*Key Performance Indicators*#

Required Competencies: #*Required Competencies*#

Required Knowledge: #*Required Knowledge*#

Required Skills: #*Required Skills*#

Required Abilities

Physical: #*Physical*#
Other: #*Other*#

Work Environment Details: #*Work Environment Details*#

Specific Requirements

Travel: #*Travel*#
Vehicle: #*Vehicle*#
Work Permit: #*Work Permit*#

Other Details

Pay Rate: #*Pay Rate*#
Contract Types: #*Contract Types*#
Time Constraints: #*Time Constraints*#
Compliance Related: #*Compliance Related*#
Union Affiliation: #*Union Affiliation*#