Senior Gold Appraiser - Gold Loan

AU SMALL FINANCE BANK; Vizianagaram; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

AU Small Finance Bank Limited is seeking an experienced Gold Appraiser for the Gold Loan portfolio. The role focuses on accurate valuation of gold assets, purity verification, market trend analysis, and regulatory compliance to support secure lending practices.

The candidate will collaborate with credit and risk teams, prepare detailed appraisal reports, and mentor junior staff while ensuring timely loan processing and service excellence.

Qualifications

• Bachelor’s degree in Commerce, Finance, or related field.
• Certification in gemology or precious metals appraisal is highly desirable.
• Minimum of 5 years of gold appraisal experience in banking/financial services.

Responsibilities

• Lead the valuation and appraisal of gold assets for loan collateral.
• Verify gold purity using testing methods (XRF, acid testing) to ensure authenticity.
• Maintain knowledge of gold market trends and regulatory guidelines.
• Collaborate with credit and risk teams to assess collateral value for loan decisions.
• Ensure compliance with internal policies and external regulations; prepare appraisal reports.
• Train and mentor junior appraisers and operations staff on valuation techniques.

Education

Bachelor’s degree in Commerce/Finance

Gemology/Precious metals appraisal certification

Job description

Group Company: AU Small Finance Bank Limited
Designation: Senior Gold Appraiser - Gold Loan
Office Location:

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 the bank's gold loan portfolio, ensuring accurate and timely assessment of gold collateral. The ideal candidate will have extensive knowledge of gold purity testing, market trends, and regulatory compliance, contributing to risk mitigation and operational efficiency. This position plays a critical role in maintaining the integrity of the bank's secured lending practices and requires collaboration with multiple teams to uphold service excellence and customer trust.

Responsibilities

:-

• Conduct precise and reliable appraisal of gold jewelry and bullion to determine market value for loan processing.
• Verify gold purity using advanced testing methods such as XRF analysis and acid testing to ensure authenticity.
• Maintain up-to-date knowledge of gold market trends, pricing fluctuations, and regulatory guidelines affecting gold loans.
• Collaborate with credit and risk teams to assess collateral value and support loan sanctioning decisions.
• Ensure compliance with internal policies and external regulatory requirements related to gold appraisal and loan documentation.
• Train and mentor junior appraisers and operations staff on gold valuation techniques and quality standards.
• Prepare detailed appraisal reports and maintain accurate records for audit and review purposes.
• Identify and mitigate risks associated with gold loan collateral through thorough inspection and verification processes.
• Coordinate with branch operations to streamline appraisal workflows and enhance customer service delivery.
• Participate in periodic audits and inspections to ensure adherence to appraisal standards and operational protocols.

Skill

:-

• Gold Purity Testing
• XRF Analysis
• Acid Testing for Gold
• Market Price Analysis
• Risk Assessment in Collateral Valuation
• Regulatory Compliance for Gold Loans
• Report Writing and Documentation
• Team Training and Development
• Audit and Quality Control
• Stakeholder Collaboration
• Operational Process Optimization

Preferred Qualifications

:-

• Bachelor’s 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.

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*#