1. Gold Audit & Compliance

- Examine gold ornaments using approved methods (touchstone, karat meter etc.)
- Determine gold purity (caratage), net weight, eligible loan value and cash management in the branch
- Identify non-gold components, stones, and impurities
- Ensure accurate and consistent valuation as per company norms
- Conduct periodic Audits of Gold Loan branches to assess compliance with Internal policies and regulatory compliance.

2. Loan Processing Support

- Assist in processing gold loan applications
- Work closely with the Customer Service Executive and Branch Manager
- Provide valuation inputs for loan sanction and disbursement
- Re-verify gold during loan closure or part-release

3. Risk Management & Fraud Prevention

- Detect counterfeit gold, gold-plated items, or adulteration
- Follow strict appraisal protocols to minimize credit and operational risk
- Report suspicious cases or discrepancies immediately




- Ensure proper handling and safeguarding of pledged gold

4. Documentation & Compliance

- Maintain detailed records of appraised items
- Ensure compliance with RBI guidelines and internal audit norms
- Do the branch audits and inspections with accurate documentation
- Adhere to KYC and operational policies

5. Customer Interaction

- Explain valuation process transparently to customers
- Address customer queries related to gold valuation
- Build customer confidence through professionalism and integrity

Qualification and skills:

- 1 to 5 years of experience in gold appraisal / jewellery valuation / gold loan industry
- Freshers with certified training in gold appraisal may also be considered

📌 Gold Appraiser (Chennai)
🏢 IHFL
📍 Chennai