Senior Gold Appraiser - Gold Loan

Functional Role : Gold Appraiser

• Gold Loan Job Code : Qualification : Minimum Graduation Business Unit : Gold Loan Location : Satara Department : Operations & Services Relevant Experience : Should have knowledge of Gold Valuation Functional Competencies:
• Gold valuation techniques and knowledge of purity standards.
• Manage and mentor CSOV at the branch.
• Proficiency in basic banking transactions (cash, NEFT, RTGS, FT, loan disbursals).
• Ability to handle customer queries and coordinate between departments for resolution.
• Well-versed in English and local language; basic computer literacy.
• Familiarity with CASA account handling, documentation, and discrepancy resolution.
• Ability to maintain UV compliance and documentation standards. Behavioural Competencies:
• Customer-focused with a strong sense of integrity.
• Detail-oriented and committed to process accuracy.
• Patient, calm, and solution-oriented under pressure.
• Able to work collaboratively and supportively in team environments.
• Professional demeanour and disciplined work ethic.

Job Responsibilities

Financial Responsibilities:

• Conduct accurate gold valuation as per defined quality and purity parameters.
• Drive net gold loan portfolio growth through quality sourcing and renewals.
• Assist in recovery of spurious/below 18 carat cases and coordinate NPA gold auctions.
• Identify and close cross-sell opportunities (CASA, insurance, etc.) from walk-in customers.
• Monitor overdue cases (DPD) and take follow-up action for recovery or resolution. Non-financial Responsibilities:
• Process customer transactions including cash, gold loan, NEFT, RTGS, FT, etc.
• Support BOSM in branch lobby management and queue handling during peak hours.
• Maintain transaction accuracy, reduce discrepancies, and ensure TAT adherence.
• Assist in empanelment of external gold valuers and coordination of valuation tasks.
• Ensure proper documentation, UV compliance, and safe custody of pledged gold.
• Provide back-up support to the Money Officer and other roles as needed.
• Help in resolving customer service issues, queries, and service deliverables.
• Participate in business promotion and marketing activities at the branch level.
• Timely reporting of branch issues to concerned verticals and follow up as per matrix.
• Submit gold loan documents to CPC post-audit, ensuring completeness and compliance.
• Participate in training sessions and product/process refreshers for continuous learning Compliance and Risk Responsibilities:
• Adhere to SOPs and internal/external audit norms in gold appraisal and disbursal.
• Ensure KYC norms and documentation processes are followed without deviation.
• Handle customer information securely and maintain data confidentiality.
• Support risk teams in identifying fraudulent transactions or irregular gold cases.
• Maintain proper records for inspection and ensure regulatory readiness. Additional Requirements:
• Must be physically fit and comfortable handling customer-facing tasks throughout the day.
• Familiarity with regional customer behaviour and language preferred.
• Ability to handle gold safely, securely, and accurately under pressure.