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 of financial integrity and customer trust.

Responsibilities:-

Conduct thorough physical inspection and verification of gold items submitted for loan processing to determine authenticity and purity.
Evaluate the market value of gold based on current rates, quality, weight, and prevailing economic conditions.
Prepare detailed appraisal reports that accurately reflect the assessed value of gold assets for loan sanctioning purposes.
Collaborate with the loan processing and risk management teams to ensure compliance with internal policies and regulatory guidelines.
Maintain up-to-date knowledge of gold market trends, pricing fluctuations, and industry best practices to inform appraisal decisions.
Manage and update records of all appraisals and related documentation in the bank's operational systems with high accuracy.
Identify and report any discrepancies or potential fraud in gold submissions to the appropriate authorities within the bank.
Provide training and guidance to junior staff on gold appraisal techniques and compliance requirements.
Participate in periodic audits and inspections to ensure adherence to quality standards and regulatory mandates.
Support customer service teams by addressing queries related to gold valuation and loan eligibility.

Skill:-

Gold Purity Testing
Market Price Analysis
Asset Valuation Techniques
Regulatory Compliance
Risk Assessment
Report Writing
Fraud Detection
Customer Service
Data Management
Training and Development

Preferred Qualifications:-

Bachelor's degree in Finance, Commerce, Gemology, or a related field from a recognized institution.
Certification in Gold Appraisal or Jewelry Valuation from a reputed professional body is highly desirable.
Minimum of 3-5 years of experience in gold appraisal within the financial services or banking sector.
Strong understanding of regulatory frameworks governing gold loans and asset valuation.
Proven track record of accuracy and integrity in asset appraisal and risk assessment.

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