GOLD APPRAISER Professional
AU Small Finance Bank · Lucknow · onsite · Posted 23d ago
Undisclosed5–10 yrsfulltimeSourced from
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About this role
Job Brief: - AU Small Finance Bank Limited is seeking an experienced professional to lead the valuation and appraisal of gold assets within our Operations and Services department. This role demands a high level of expertise in assessing the quality, purity, and market value of gold items to support our gold loan portfolio. The ideal candidate will ensure accurate and timely appraisals, maintain compliance with regulatory standards, and collaborate closely with credit and risk teams to facilitate secure lending decisions. This position requires a detail-oriented individual with strong analytical skills and a deep understanding of the gold market dynamics in the financial services sector.
Responsibilities :-
- Conduct thorough and precise appraisal of gold jewelry and bullion to determine purity, weight, and market value in alignment with industry standards.
- Verify authenticity and quality of gold items using advanced testing methods and tools to prevent fraud and ensure accurate loan underwriting.
- Collaborate with credit and risk management teams to provide reliable valuation reports that support loan sanctioning and risk assessment processes.
- Maintain up-to-date knowledge of gold market trends, pricing fluctuations, and regulatory changes impacting gold loan operations.
- Ensure compliance with internal policies, RBI guidelines, and other regulatory requirements related to gold appraisal and loan processing.
- Train and mentor junior appraisers and operations staff on gold valuation techniques, quality control, and compliance protocols.
- Manage documentation and record-keeping for all appraisals, ensuring accuracy and audit readiness.
- Coordinate with branch and regional teams to streamline appraisal processes and improve turnaround times for gold loan disbursements.
- Identify and mitigate risks associated with gold valuation discrepancies and recommend process improvements to enhance operational efficiency.
- Participate in periodic audits and inspections to validate appraisal accuracy and adherence to regulatory standards.
Skill :-
- Gold Purity Testing
- Jewelry Valuation Techniques
- Bullion Market Analysis
- Risk Assessment in Gold Loans
- Regulatory Compliance (RBI Guidelines)
- Fraud Detection in Precious Metals
- Report Preparation and Documentation
- Team Leadership and Training
- Operational Process Optimization
- Audit and Inspection Coordination
Preferred Qualifications :-
- Bachelors degree in Commerce, Finance, or a related field; certification in gemology or precious metals appraisal is highly desirable.
- Minimum of 5 years of experience in gold appraisal within the financial services or banking sector, preferably with exposure to gold loan operations.
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
Gold AppraiserGold LoanGold ValuationLoan Underwritinganalytical thinkingLendinggold loansfraud detectionauditsLoansLoan Processingmarket analysisBankingMarket TrendsBanking SectorFinancial Servicescompliancefinance
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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