Functional Role: Gold Appraiser - Gold Loan

Job Code

Qualification: Minimum Graduation

Business Unit: Gold Loan

Location: PAN India

Department: Operations & Services

Relevant Experience: Should have knowledge of Gold Valuation

Functional Competencies:

· Gold valuation techniques and knowledge of purity standards.

· Manage and mentor CSOV at the branch.

· Proficiency in basic banking transactions (cash, NEFT, RTGS, FT, loan disbursals).

· Ability to handle customer queries and coordinate between departments for resolution.

· Well-versed in English and local language; basic computer literacy.

· Familiarity with CASA account handling, documentation, and discrepancy resolution.

· Ability to maintain UV compliance and documentation standards.

Behavioural Competencies:

· Customer-focused with a strong sense of integrity.

· Detail-oriented and committed to process accuracy.

· Patient, calm, and solution-oriented under pressure.

· Able to work collaboratively and supportively in team environments.

· Skilled demeanour and disciplined work ethic.

Job Responsibilities:

Financial Responsibilities:

· Conduct accurate gold valuation as per defined quality and purity parameters.

· Drive net gold loan portfolio growth through quality sourcing and renewals.

· Assist in recovery of spurious/below 18 carat cases and coordinate NPA gold auctions.

· Identify and close cross-sell opportunities (CASA, insurance, etc.) from walk-in customers.

· Monitor overdue cases (DPD) and take follow-up action for recovery or resolution.

Non-financial Responsibilities:

· Process customer transactions including cash,



gold loan, NEFT, RTGS, FT, etc.

· Support BOSM in branch lobby management and queue handling during peak hours.

· Maintain transaction accuracy, reduce discrepancies, and ensure TAT adherence.

· Assist in empanelment of external gold valuers and coordination of valuation tasks.

· Ensure proper documentation, UV compliance, and safe custody of pledged gold.

· Provide back-up support to the Money Officer and other roles as needed.

· Help in resolving customer service issues, queries, and service deliverables.

· Participate in business promotion and marketing activities at the branch level.

· Timely reporting of branch issues to concerned verticals and follow up as per matrix.

· Submit gold loan documents to CPC post-audit, ensuring completeness and compliance.

· Participate in training sessions and product/process refreshers for continuous learning

Compliance and Risk Responsibilities:

· Adhere to SOPs and internal/external audit norms in gold appraisal and disbursal.

· Ensure KYC norms and documentation processes are followed without deviation.

· Handle customer information securely and maintain data confidentiality.

· Support risk teams in identifying fraudulent transactions or irregular gold cases.

· Maintain proper records for inspection and ensure regulatory readiness.

Additional Requirements:

· Must be physically fit and comfortable handling customer-facing tasks throughout the day.

· Familiarity with regional customer behaviour and language preferred.

· Ability to handle gold safely, securely, and accurately under pressure.

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