FunctionalRole : GoldAppraiser - Gold Loan

;

Qualification : Minimum Graduation

BusinessUnit : Gold Loan

;

Department : Operations Services

RelevantExperience : Shouldhave knowledge of Gold Valuation

FunctionalCompetencies:

Goldvaluation techniques and knowledge of purity standards.

Manageand mentor CSOV at the branch.

Proficiencyin basic banking transactions (cash, NEFT, RTGS, FT, loan disbursals).

Abilityto handle customer queries and coordinate between departments for resolution.

Well-versedin English and local language; basic computer literacy.

Familiaritywith CASA account handling, documentation, and discrepancy resolution.

Abilityto maintain UV compliance and documentation standards.

BehaviouralCompetencies:

Customer-focusedwith a strong sense of integrity.

Detail-orientedand committed to process accuracy.

Patient,calm, and solution-oriented under pressure.

Ableto work collaboratively and supportively in team environments.

Professionaldemeanour and disciplined work ethic.

;

JobResponsibilities:

FinancialResponsibilities:

Conduct accurate gold valuationas per defined quality and purity parameters.

Drive net gold loan portfoliogrowth through quality sourcing and renewals.

Assist in recovery ofspurious/below 18 carat cases and coordinate NPA gold auctions.

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

Monitor overdue cases (DPD) andtake follow-up action for recovery or resolution.

Non-financialResponsibilities:

Processcustomer transactions including cash, gold loan, NEFT, RTGS, FT, etc.

SupportBOSM in branch lobby management and queue handling during peak hours.





Maintaintransaction accuracy, reduce discrepancies, and ensure TAT adherence.

Assistin empanelment of external gold valuers and coordination of valuation tasks.

Ensureproper documentation, UV compliance, and secure custody of pledged gold.

Provideback-up support to the Money Officer and other roles as needed.

Helpin resolving customer service issues, queries, and service deliverables.

Participatein business promotion and marketing activities at the branch level.

Timelyreporting of branch issues to concerned verticals and follow up as per matrix.

Submitgold loan documents to CPC post-audit, ensuring completeness and compliance.

Participatein training sessions and product/process refreshers for continuous learning

Complianceand Risk Responsibilities:

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

Ensure KYC norms and documentationprocesses are followed without deviation.

Handle customer informationsecurely and maintain data confidentiality.

Support risk teams in identifyingfraudulent transactions or irregular gold cases.

Maintain proper records forinspection and ensure regulatory readiness.

Additional Requirements:

Must bephysically fit and comfortable handling customer-facing tasks throughout theday.

Familiaritywith regional customer behaviour and language preferred.

Ability tohandle gold safely, securely, and accurately under pressure.

Disclaimer: This job posting and Location has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.

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