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 skilled 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 Environment 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 (India)
🏢 AU Small Finance Bank
📍 India