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 skilled 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

- 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 (Sangod)
🏢 AU Small Finance Bank
📍 Sangod