Valuer-Gold Loan

IDFC FIRST Bank; Hisar; On-site; INR 350,000 - 550,000; Full time

Job summary

IDFC FIRST Bank is seeking a Valuer – Gold Loan to ensure accurate valuations across branches nationwide. The role involves assessing gold purity, supporting disbursals, and conducting audits. You will train branch staff, maintain confidentiality, and travel as needed while upholding high ethical standards.

A background in gold valuation or related retail banking is preferred, with 0-2 years of experience. This position offers field exposure and career growth within BFSI.

Qualifications

• Graduation completed from a recognized institution.
• Postgraduate degree from a recognized institution is desirable.

Responsibilities

• Conduct gold loan valuations using standardized methods and tools.
• Assess purity of gold collateral.
• Ensure timely disbursal within defined turnaround times.
• Visit branches for stock audits and valuation activities.
• Deliver training sessions to branch staff on valuation and fraud awareness.
• Maintain integrity and confidentiality in transactions.
• Collaborate with internal teams to ensure smooth valuation processes.
• Participate in ad-hoc activities as required by the department.

Skills

Gold purity assessment

Ethics & confidentiality

Training & communication

Travel readiness

MS Word

Education

Graduation (Bachelors)

Postgraduate degree

Tools

MS Excel

MS PowerPoint

Job description

About the Role

The Valuer – Gold Loan plays a critical role in ensuring the accuracy and integrity of gold loan valuations across branches pan-India. This role involves assessing the purity and value of gold collateral, supporting disbursal processes, conducting audits, and training branch staff. The incumbent is expected to uphold the highest standards of ethics, confidentiality, and compliance while contributing to customer acquisition and operational efficiency.

Key Responsibilities

Primary Responsibilities

• Conduct gold loan valuations using standardized methods and tools.
• Perform thorough checks to assess the purity of gold collateral.
• Ensure timely disbursal of cases within defined turnaround times (TAT).
• Visit nearby branches for stock audits and valuation activities.
• Monitor delinquent cases and support branches in managing portfolio quality.
• Deliver training sessions to branch staff on gold loan valuation and fraud awareness.
• Maintain integrity and transparency in all transactions, avoiding any direct or indirect personal interest.
• Conduct customer reference checks with sincerity and professionalism.
• Uphold confidentiality of client information and ensure it is not shared with competitors.
• Adhere strictly to company policies and ensure they are not disclosed outside the organization.
• Safeguard company assets provided for job responsibilities.

Secondary Responsibilities

• Collaborate with internal teams to ensure smooth functioning of valuation processes.
• Support marketing and customer engagement efforts as needed.
• Participate in ad-hoc activities as required by the department.

What We Are Looking For

Education

• Graduation: Full time graduate in any discipline from a recognized institution.
• Post-graduation: Postgraduate in any discipline from a recognized institution.

Experience

• Minimum of 0-2 years of prior experience in gold valuation or related roles within retail banking or financial services is desirable within BFSI industry.

Skills and Attributes

• Strong knowledge of gold purity assessment and valuation techniques.
• High ethical standards and commitment to confidentiality.
• Excellent communication and training skills.
• Ability to travel across regions and work in field conditions.
• Proficiency in MS Word, Excel, and PowerPoint.
• Strong sense of responsibility and adherence to company policies.