Valuer-Gold Loan

IDFC FIRST Bank; Lucknow; On-site; INR 500,000 - 800,000; Full time

Job summary

IDFC FIRST Bank is seeking a Valuer for Gold Loan in Lucknow, responsible for gold loan valuations and ensuring compliance with company policies. The role requires assessing gold purity, conducting audits, and training branch staff.

The ideal candidate should have a graduate degree, 2 years of experience in related roles, and strong knowledge of valuation techniques. Ethical standards and confidentiality are paramount, along with excellent communication skills.

Qualifications

• Minimum of 2 years of prior experience in gold valuation or related roles.
• Strong ethical standards and commitment to confidentiality.

Responsibilities

• Conduct gold loan valuations using standardized methods.
• Perform thorough checks to assess the purity of gold collateral.
• Deliver training sessions to branch staff on valuation and fraud awareness.

Skills

Knowledge of gold purity assessment and valuation techniques

Excellent communication and training skills

Proficiency in MS Word, Excel, and PowerPoint

Education

Full time graduation in any discipline

Postgraduate in any discipline

Job description

Job Requirements

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 recognised institution.
• Post‑graduation: Postgraduate in any discipline from a recognised institution.

Experience

• Minimum of 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.