Senior Gold Appraiser - Gold Loan
AU SMALL FINANCE BANK · Firozpur
- Experience1–2 yrs
- SalaryNot disclosed
- Work modeonsite
- Posted26 Sept 2026
About AU SMALL FINANCE BANK
AU SMALL FINANCE BANK is hiring in Firozpur in financial services. This role looks for around 1+ years of experience.
Skills
- gold valuation
- gold purity testing
- gold authenticity assessment
- precious stone assessment
- Loan-to-Value Ratio
- fraud prevention
- collateral documentation
The role
A gold loan appraiser at a banking or NBFC company verifies pledged jewelry using gold valuation and precious stone assessment, applying Loan-to-Value Ratio knowledge and fraud prevention practices. Gold authenticity testing and collateral documentation support lending decisions.
Full job description
A Gold Loan Appraiser (or Valuation Officer) is a specialized role responsible for verifying the purity, weight, and value of gold jewelry pledged as collateral, primarily in NBFCs and banks. Key duties include testing gold purity using acid tests or electronic meters to ensure it meets lending norms.
Key Aspects Of The Role & Training
Job Responsibilities: Appraisers test gold to determine its authenticity and market value , which directly informs the loan-to-value (LTV) ratio (often around 75%-90%). They are critical in preventing fraud and ensuring proper documentation. Hiring Companies: Major recruiters include Muthoot Finance , IIFL Finance , Manappuram , Muthoot FinCorp , and various banking institutions. Training & Certification: Many vocational centers, particularly in Tamil Nadu and Maharashtra (e.g., Salem, Coimbatore, Pune), provide specialized training in gold appraisal. Key Skills: Strong knowledge of gold, diamonds, precious stones, and the ability to detect fake jewelry