Senior Gold Appraiser - Gold Loan

AU SMALL FINANCE BANK; Bengaluru; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

AU Small Finance Bank Limited seeks an experienced Senior Gold Appraiser to lead valuation of gold assets for our Gold Loan portfolio. The role requires expertise in precious metal valuation, strong analytical skills, and the ability to guide a team while collaborating with risk and credit teams to ensure accurate collateral assessment and timely loan processing.

The candidate will maintain knowledge of market trends, ensure regulatory compliance, and drive process improvements in appraisal

Qualifications

• Bachelor’s degree in Finance, Commerce, Gemology or related field.
• Certification in precious metal appraisal is highly desirable.
• 7+ years of gold appraisal experience in financial services or jewelry industry, with senior/supervisory exposure.

Responsibilities

• Appraise gold jewelry and bullion to determine market value for loan processing.
• Ensure compliance with regulatory guidelines and internal policies for collateral valuation.
• Lead and mentor junior appraisers, ensuring training and quality control.
• Collaborate with credit and risk teams to assess loan eligibility based on valuations.
• Stay updated on gold market trends, pricing, and hallmarking standards.

Skills

Gold Valuation

Precious Metal Assaying

Regulatory Compliance

Risk Assessment

Team Leadership

Market Trend Analysis

Report Writing

Inventory Management

Asset Management

Stakeholder Collaboration

Quality Control

Education

Bachelor’s degree in Finance/Commerce/Gemology

Job description

Group Company:

AU Small Finance Bank Limited

Designation:

Senior Gold Appraiser - Gold Loan

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 valuation and appraisal of gold assets within our Operations and Services department. This role demands a high level of expertise in gold appraisal to support our gold loan portfolio, ensuring accurate and timely assessment of collateral to mitigate risk and uphold regulatory compliance. The ideal candidate will bring extensive knowledge of precious metal valuation, strong analytical skills, and the ability to collaborate with cross-functional teams to enhance operational efficiency and customer satisfaction in the financial services sector.

Responsibilities

• Conduct precise and comprehensive appraisal of gold jewelry and bullion to determine accurate market value for loan processing.
• Ensure compliance with regulatory guidelines and internal policies related to gold loan collateral valuation.
• Lead and mentor a team of junior appraisers, providing training and quality control to maintain high standards of appraisal accuracy.
• Collaborate with credit and risk management teams to assess loan eligibility based on gold valuation reports.
• Maintain up-to-date knowledge of gold market trends, pricing fluctuations, and hallmarking standards to inform appraisal decisions.
• Implement and continuously improve appraisal methodologies and documentation processes to enhance operational efficiency.
• Coordinate with branch operations to resolve discrepancies in gold valuation and support timely loan disbursement.
• Prepare detailed appraisal reports and present findings to senior management for decision-making purposes.
• Manage inventory and security protocols for gold assets under appraisal to prevent loss or misappropriation.
• Engage with external vendors and assay laboratories for verification and certification of gold purity when required.

Skill

• Gold Valuation Techniques
• Precious Metal Assaying
• Regulatory Compliance in Financial Services
• Risk Assessment and Mitigation
• Team Leadership and Training
• Market Trend Analysis
• Report Writing and Documentation
• Inventory and Asset Management
• Stakeholder Collaboration
• Quality Control Processes

Preferred Qualifications

• Bachelor’s degree in Finance, Commerce, Gemology, or a related field; certification in precious metal appraisal is highly desirable.
• Minimum of 7 years of experience in gold appraisal within the financial services or jewelry industry, with at least 3 years in a senior or supervisory role.

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*#