Inspector Gold Loan

9 hours ago

Ahmedabad, Gujarat, India Ujjivan Small Finance Bank Full time ₹ 6,00,000 - ₹ 8,00,000 per year

I. KEY DUTIES & RESPONSIBILITIES OF THE ROLE

  • Business:

  • Conducting and completion of Gold Audit for a branch within the timelines and TAT as per the policy

  • Undertake Gold Inspection as per the calendar within the target time
  • Responsible for carrying out Gold audit in various areas / activities of Bank branches
  • Verify the quality, quantity and inventory of pledged gold without damaging the gold ornaments
  • Conduct valuation and verification of gold ornaments with respect to weight, purity & Detect spurious, low purity gold and frauds to mitigate the risk
  • Executing gold audit by following the process as prescribed
  • Prepare Gold inspection report for review and release reports within timelines
  • Emphasis on quality of Gold valuation and report writing
  • Discussion of Gold Audit findings with Branch Managers
  • Submission of Gold inspection report to reviewer for review
  • Follow up for necessary action based on the observation
  • To verify the earlier inspection report and its compliance/closure

  • To verify whether there are any lapses in security and safety of the branch and assets

  • Internal Process

  • Quality of Inspecting gold and report writing covering of all loopholes
  • Check purity of Gold ornaments and basic operational check like CCTV functioning, custodian availability during appraisal and data entry as per LOS and estimation slip.
  • Check authenticity of transactions and adherence to systems and procedures by scrutinizing the transactions put through the relevant inspection period including handling ornaments
  • Verify the records and registers to ascertain whether there is any lapses/discrepancy in maintaining such records
  • Report to be submitted in the format prescribed, complete in all aspects with clear findings
  • Timely accurate concise and effective documentation of gold loan inspection reports
  • Response to queries /MIS and monthly reports within TAT
  • To report any discrepancies without favour, not leaving out even seemingly minor irregularities as they may lead to serious irregularity in future
  • Identify the probable threats and recommend solutions
  • Verify/inspect safe room operations, security measures, day to day working of branch

  • Ensure proper documentation is maintained for each loan and record is maintained after the verification

  • Customer

  • Coordinate with Business team, Branch team, Credit Team and Operations team for matters relating to Gold Loan
  • Ensure timely response to any clarifications regarding Gold inspection
  • Actively participate in Product, Credit or IT discussions
  • Co-ordinate with Gold Loan Appraiser for any clarification if any
  • Provide feedback on the training provided by Gold loan Trainers

  • Send all reports/MIS on time to the concerned department

  • Learning and Development

  • Awareness on Regulatory guidelines with respect to Gold Loan
  • Continuous market awareness e.g. if a group of persons or a suspected gang is operating in an area, the concerned risk factors to be studied in detail and alerted in order to avert possible losses
  • Keep abreast of the changes in the industry and recommend suitable changes to management on Gold Inspection process or Gold Loan Risks
  • Updating self on various regulatory compliances and circulars issued by RBI
  • Updating self on various internal procedures, processes and new products introduced
  • Improve the existing process to overcome the probable risk

  • Adhering to high ethical standards and comply with all the laid down processes / policies

  • Other Initiatives

  • Undertake some special assignments regarding gold loan product
  • Automate any Gold Inspection processes and reports

Interested can share your updated resume on

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