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Senior Gold Appraiser - Gold Loan at AU SMALL FINANCE BANK — Greater Lucknow Area

Experience5–6 yrs
SalaryNot disclosed
Work modeonsite
Posted26 Sept 2026

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About AU SMALL FINANCE BANK

AU SMALL FINANCE BANK is hiring in Greater Lucknow Area in financial services. This role looks for around 5+ years of experience.

Skills

Gold Purity Testing
Jewelry Valuation Techniques
Bullion Market Analysis
Risk Assessment in Gold Loans
Regulatory Compliance
Fraud Detection in Precious Metals
Report Preparation and Documentation
Team Leadership and Training
Operational Process Optimization
Audit and Inspection Coordination

The role

A gold appraiser at a financial services company assesses gold purity and value for gold loans, applies regulatory compliance, and performs risk assessment in gold loans while coordinating audits and training operations staff.

Full job description

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*#

Job Brief:- AU Small Finance Bank Limited is seeking an experienced professional to lead the valuation and appraisal of gold assets within our Operations and Services department. This role demands a high level of expertise in assessing the quality, purity, and market value of gold items to support our gold loan portfolio. The ideal candidate will ensure accurate and timely appraisals, maintain compliance with regulatory standards, and collaborate closely with credit and risk teams to facilitate secure lending decisions. This position requires a detail-oriented individual with strong analytical skills and a deep understanding of the gold market dynamics in the financial services sector.

Responsibilities:-

Conduct thorough and precise appraisal of gold jewelry and bullion to determine purity, weight, and market value in alignment with industry standards.Verify authenticity and quality of gold items using advanced testing methods and tools to prevent fraud and ensure accurate loan underwriting.Collaborate with credit and risk management teams to provide reliable valuation reports that support loan sanctioning and risk assessment processes.Maintain up-to-date knowledge of gold market trends, pricing fluctuations, and regulatory changes impacting gold loan operations.Ensure compliance with internal policies, RBI guidelines, and other regulatory requirements related to gold appraisal and loan processing.Train and mentor junior appraisers and operations staff on gold valuation techniques, quality control, and compliance protocols.Manage documentation and record-keeping for all appraisals, ensuring accuracy and audit readiness.Coordinate with branch and regional teams to streamline appraisal processes and improve turnaround times for gold loan disbursements.Identify and mitigate risks associated with gold valuation discrepancies and recommend process improvements to enhance operational efficiency.Participate in periodic audits and inspections to validate appraisal accuracy and adherence to regulatory standards.

Skill:-

Gold Purity TestingJewelry Valuation TechniquesBullion Market AnalysisRisk Assessment in Gold LoansRegulatory Compliance (RBI Guidelines)Fraud Detection in Precious MetalsReport Preparation and DocumentationTeam Leadership and TrainingOperational Process OptimizationAudit and Inspection Coordination

Preferred Qualifications:-

Bachelor’s degree in Commerce, Finance, or a related field; certification in gemology or precious metals appraisal is highly desirable.Minimum of 5 years of experience in gold appraisal within the financial services or banking sector, preferably with exposure to gold loan operations.

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*#