Senior Gold Appraiser - Gold Loan

Group Company: AU Small Finance Bank Limited

Designation: Senior 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 an experienced professional to lead the appraisal of gold assets within our Operations and Services department. This role demands a deep understanding of gold valuation, market trends, and regulatory compliance to support our gold loan portfolio. The ideal candidate will ensure accurate and timely appraisal of gold items, mitigate risks associated with collateral valuation, and contribute to the bank's commitment to secure and efficient lending practices. This position requires a detail-oriented individual with strong analytical skills and the ability to work collaboratively across teams to uphold the bank's standards and customer trust.

Responsibilities:-

• Conduct thorough and precise appraisal of gold jewelry and bullion to determine accurate market value for loan processing.
• Stay updated with current gold market trends, pricing fluctuations, and regulatory guidelines to ensure compliance and accurate valuations.
• Verify the authenticity and purity of gold items using industry-standard testing methods and equipment.
• Collaborate with loan officers and operations teams to provide timely appraisal reports that support efficient loan disbursal.
• Maintain detailed records of appraisals, including photographs, assay reports, and valuation certificates, ensuring data integrity and confidentiality.
• Identify and mitigate risks related to gold collateral by detecting counterfeit or substandard items.
• Train and mentor junior appraisers and operations staff on gold appraisal techniques and compliance requirements.
• Coordinate with internal audit and compliance teams during inspections and audits related to gold loan collateral.
• Implement and continuously improve appraisal processes to enhance accuracy, efficiency, and customer satisfaction.
• Ensure adherence to the bank's policies, industry standards, and legal requirements in all appraisal activities.
  
  

Skill:-

• Gold Valuation Techniques
• Assay Testing Methods
• Market Trend Analysis
• Regulatory Compliance in Financial Services
• Risk Assessment and Mitigation
• Collateral Management
• Report Writing and Documentation
• Team Leadership and Training
• Data Integrity and Confidentiality
• Audit Coordination
  
  

Preferred Qualifications:-

• Bachelor's degree in Finance, Commerce, Gemology, or a related field; certification in gold appraisal or gemology 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.
  
  

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*#