Job Description

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 within the financial services sector. The ideal candidate will play a critical role in ensuring accurate asset assessment to facilitate secure lending, contributing to the bank's commitment to responsible financial services and customer trust.

Responsibilities:-

Conduct thorough and precise appraisal of gold items submitted as collateral for loan processing, ensuring adherence to industry standards and bank policies.
Evaluate the purity, weight, and market value of gold assets using standardized testing methods and tools.
Maintain up-to-date knowledge of gold market trends, pricing fluctuations, and regulatory changes impacting asset valuation.
Collaborate with loan officers and operations teams to provide accurate asset valuations that support loan sanctioning decisions.
Ensure compliance with all regulatory requirements and internal audit standards related to gold appraisal and loan collateral management.
Document and report appraisal findings accurately, maintaining detailed records for audit and verification purposes.
Identify and flag any discrepancies or potential risks in gold asset submissions, escalating issues to senior management as necessary.
Participate in periodic training and development programs to enhance appraisal techniques and stay current with industry best practices.
Support the development and refinement of appraisal procedures and policies to improve operational efficiency and risk management.
Assist in customer interactions related to gold loan appraisal queries, providing clear and professional explanations.

Skill:-

Gold Purity Testing
Asset Valuation Techniques
Market Trend Analysis
Regulatory Compliance in Financial Services
Risk Assessment and Management
Documentation and Reporting
Customer Service in Financial Operations
Use of Gold Testing Instruments
Collaboration and Communication
Audit and Quality Control Procedures

Preferred Qualifications:-

Bachelor's degree in Finance, Commerce, 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 banking industry.

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