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 align with the bank’s lending policies and contribute to customer satisfaction and operational efficiency.

Responsibilities

- Conduct thorough physical inspection and verification of gold items submitted for loan processing, ensuring authenticity and quality standards.
- Accurately assess the purity, weight, and market value of gold assets using industry-standard tools and techniques.
- Maintain up-to-date knowledge of gold market trends, price fluctuations, and regulatory guidelines affecting gold loan valuations.
- Prepare detailed appraisal reports and documentation to support loan sanctioning decisions in compliance with bank policies.




- Collaborate with the credit and risk teams to identify and mitigate potential risks associated with gold loan collateral.
- Ensure adherence to all regulatory and internal audit requirements related to gold appraisal and loan processing.
- Train and mentor junior staff on gold appraisal procedures and quality standards to maintain consistency and accuracy.
- Manage and maintain appraisal equipment and tools, ensuring calibration and functionality for precise measurements.
- Engage with customers professionally to explain appraisal outcomes and address any queries related to gold loan valuations.
- Contribute to process improvement initiatives aimed at enhancing the efficiency and accuracy of gold loan operations.

Skill

- Gold Purity Testing
- Precious Metals Valuation
- Use of Assaying Equipment
- Market Price Analysis
- Regulatory Compliance in Financial Services
- Risk Assessment and Mitigation
- Report Writing and Documentation
- Customer Relationship Management
- Internal Audit Coordination
- Training and Development
- Attention to Detail
- Time Management

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 or valuation 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 Setting Details#

Specific Requirements

- Travel: #Travel#
- Vehicle: #Vehicle#
- Work Permit: #Work Permit#

Other Details

- Pay Rate: #Pay Rate#
- Contract Types: #Contract Types#
- Time Constraints: #Time Constraints#
- Compliance Related: #Compliance Related#
- Union Affiliation: #Union Affiliation#

📌 Gold Appraiser - Gold Loan (Pratapgarh)
🏢 AU Small Finance Bank
📍 Pratapgarh