Gold Appraiser - Gold Loan

Functional Role : Gold Appraiser - Gold Loan Job Code : Qualification : Minimum Graduation Business Unit : Gold Loan Location : PAN India 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.