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 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 for security and customer trust within the financial services sector.

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-backed loans while ensuring compliance with internal policies.
Identify and report any discrepancies or potential fraud related to gold assets to the risk management team promptly.
Ensure adherence to all statutory and regulatory requirements related to gold appraisal and loan disbursement.
Train and mentor junior staff on gold appraisal techniques and compliance standards to maintain high-quality service delivery.
Participate in periodic audits and inspections conducted by internal and external agencies to validate appraisal accuracy and process integrity.

Skill:-

Gold Purity Testing
Market Price Analysis
Risk Assessment in Gold Loans
Regulatory Compliance for Precious Metals
Report Writing and Documentation
Fraud Detection in Asset Verification
Customer Service in Financial Operations
Audit and Inspection Coordination
Training and Development
Attention to Detail

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 within the financial services or banking sector, preferably with exposure to gold loan products.

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