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*#

• 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.

• 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

• 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*#