Job Requirements
About the Role
The Valuer – Gold Loan plays a critical role in ensuring the accuracy and integrity of gold loan valuations across branches pan-India. This role involves assessing the purity and value of gold collateral, supporting disbursal processes, conducting audits, and training branch staff. The incumbent is expected to uphold the highest standards of ethics, confidentiality, and compliance while contributing to customer acquisition and operational efficiency.
Key Responsibilities
Primary Responsibilities
Conduct gold loan valuations using standardized methods and tools.
Perform thorough checks to assess the purity of gold collateral.
Ensure timely disbursal of cases within defined turnaround times (TAT).
Visit nearby branches for stock audits and valuation activities.
Monitor delinquent cases and support branches in managing portfolio quality.
Deliver training sessions to branch staff on gold loan valuation and fraud awareness.
Maintain integrity and transparency in all transactions, avoiding any direct or indirect personal interest.
Conduct customer reference checks with sincerity and professionalism.
Uphold confidentiality of client information and ensure it is not shared with competitors.
Adhere strictly to company policies and ensure they are not disclosed outside the organization.
Safeguard company assets provided for job responsibilities.
Secondary Responsibilities
Collaborate with internal teams to ensure smooth functioning of valuation processes.
Support marketing and customer engagement efforts as needed.
Participate in ad-hoc activities as required by the department.
What We Are Looking For
Education
Graduation: Full time graduate in any discipline from a recognised institution.
Post-graduation: Postgraduate in any discipline from a recognised institution.
Experience
Skills and Attributes
Strong knowledge of gold purity assessment and valuation techniques.
High ethical standards and commitment to confidentiality.
Excellent communication and training skills.
Ability to travel across regions and work in field conditions.
Proficiency in MS Word, Excel, and PowerPoint.
Strong sense of responsibility and adherence to company policies.
IDFC FIRST Bank is a retail banking institution that offers gold loan products and financial services across India. The bank operates a pan-India branch network and provides gold loan valuations and disbursal services to customers. The organization is committed to maintaining high standards of ethics, compliance, and operational efficiency in its financial services offerings. IDFC FIRST Bank supports customer acquisition and portfolio management through trained staff and standardized valuation processes.
