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 to ensure accurate and fair assessment of collateral. The ideal candidate will play a critical role in supporting the bank's gold loan portfolio by providing precise appraisals that mitigate risk and enhance customer trust. This position requires strong analytical skills, attention to detail, and the ability to work collaboratively within a dynamic financial services environment.

Responsibilities:-

Conduct thorough and accurate appraisal of gold jewelry and ornaments submitted as collateral for gold loans, ensuring adherence to industry standards and bank policies.
Evaluate the purity, weight, and market value of gold items using standardized testing methods and tools.
Stay updated with current gold market prices and trends to provide real-time valuation insights.
Verify the authenticity of gold items and detect any counterfeit or adulterated materials.
Maintain detailed records of appraisals, including photographs, test results, and valuation reports for audit and compliance purposes.
Collaborate with loan officers and operations teams to facilitate smooth processing of gold loan applications.
Ensure compliance with regulatory guidelines related to gold loan appraisal and documentation.
Provide training and guidance to junior staff on gold appraisal techniques and quality standards.
Participate in periodic audits and quality checks to uphold appraisal accuracy and operational integrity.
Assist in resolving customer queries related to gold valuation and loan collateral.

Skill:-

Gold Purity Testing
Karate Meter Usage
X-Ray Fluorescence (XRF) Analysis
Market Price Analysis
Risk Assessment in Collateral Valuation
Regulatory Compliance for Gold Loans
Documentation and Record Keeping
Customer Service in Financial Operations
Fraud Detection in Precious Metals
Training and Mentoring

Preferred Qualifications:-

Diploma or degree in Gemology, Metallurgy, or a related field with specialization in precious metals appraisal.
Minimum 3-5 years of experience in gold appraisal within the financial services or jewelry industry, preferably in a banking environment.

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