GOLD APPRAISER Professional
AU Small Finance Bank · Not specified · onsite · Posted 23d ago
Undisclosed5–10 yrsfulltimeSourced from
About a minute. You'll make an account on the way through.
About this role
JobPurpose : Todeliver superior customer service at the branch by handling gold loandisbursements and technical gold valuations. This dual-role position iscritical in ensuring both operational accuracy and customer satisfaction. Theincumbent is expected to coordinate between teams, ensure compliance, andsupport business generation through service excellence and gold loan portfoliomanagement.
FunctionalRole : CustomerService Officer & Valuer Gold Loan
JobCode :
Qualification : Minimum Graduation
BusinessUnit : Gold Loan
Location : PAN India
Department : Operations & Services
RelevantExperience : 25years in gold loan operations
FunctionalCompetencies:
Goldvaluation techniques and knowledge of purity standards.
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 safe 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 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.
Sourced from naukri
Skills
Customer ServiceGold AppraiserGold LoanGold Valuationcustomer satisfactionExternal AuditcpcNpaCustomer QueriesBankingNEFTRTGSBanking transactionsCASABusiness GenerationoperationscomplianceKYCmarketing
About AU Small Finance Bank
AU Small Finance Bank
Banking
50.9k+
employees
1996
30 years old
Jaipur, Rajasthan
India
About
AU Small Finance Bank offer banking services such as personal banking, online banking, internet banking, business & corporate banking, insurance, loans, investments, retail banking & much more.
Industries
BankingFinancial Services
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