IDFC FIRST Bank Recruitment 2026 – Valuer Gold Loan Job in West Bengal

Job Description

IDFC FIRST Bank has announced a recruitment opportunity for the position of Valuer – Gold Loan in West Bengal. Candidates with graduation and relevant experience in gold valuation, retail banking, gold loans or the BFSI sector can consider applying for this full-time banking job.

The Valuer – Gold Loan position is primarily responsible for checking the purity and market value of gold pledged by customers, supporting gold loan disbursement, conducting stock audits and helping branches maintain portfolio quality.

Candidates selected for this role may also be required to visit nearby branches, train employees on gold valuation and fraud awareness, perform customer reference checks and maintain strict confidentiality while handling customer and company information.

Job Overview

Particulars	Details
Company Name	IDFC FIRST Bank
Job Role	Valuer – Gold Loan
Job Location	West Bengal, India
Salary	Not disclosed in the available job notification
Qualification	Full-Time Graduate in Any Discipline
Experience	Around 2 years of relevant gold valuation / BFSI experience preferred
Job Type	Full-Time
Work Mode	On-Site
Industry	Banking / Financial Services / BFSI
Functional Area	Gold Loan / Valuation / Retail Banking

Job Description

IDFC FIRST Bank is looking for candidates for its Valuer – Gold Loan position in West Bengal.

A Gold Loan Valuer plays an important role in the lending process because gold ornaments pledged by customers must be accurately evaluated before a loan can be sanctioned or disbursed.

The employee will be responsible for examining gold articles, determining their purity, estimating their eligible value and ensuring that all valuation activities are carried out according to the bank’s approved procedures.

Accuracy and integrity are extremely important in this position because incorrect valuation can create financial and operational risk for both the bank and the customer.

Apart from performing valuations, the selected candidate may need to visit nearby branches for stock verification and audit activities. The employee will also work with branch teams to monitor overdue loan accounts, improve portfolio quality and educate staff about gold valuation procedures and fraud prevention.

Candidates should therefore have strong technical knowledge of gold valuation along with communication, documentation and interpersonal skills.

About IDFC FIRST Bank

IDFC FIRST Bank is a private-sector bank in India offering a wide range of banking and financial services to individuals, businesses and other customers.

Its services include retail banking, savings and current accounts, loans, credit products, digital banking and various financial solutions.

Gold loans are part of secured lending, where eligible customers pledge gold ornaments as collateral against a loan. Accurate valuation of the pledged gold is therefore an important part of the approval and risk-management process.

A career in gold loan valuation can provide professionals with practical exposure to secured lending, collateral assessment, branch operations, customer interaction, audit procedures and portfolio management.

Eligibility Criteria

Educational Qualification

Candidates applying for the IDFC FIRST Bank Valuer – Gold Loan position should have:

• Full-time graduation in any discipline from a recognised institution.

The recruitment information also mentions postgraduate qualifications in any discipline from a recognised institution.

Candidates should check the official application page for the final educational requirement applicable to the position.

Age Limit

The available recruitment notification does not specify a minimum or maximum age limit.

Applicants should verify any age-related requirement through the official IDFC FIRST Bank career portal before submitting their application.

Gender

No specific gender restriction has been mentioned in the available job description.

Eligible candidates may apply according to the educational qualification, experience and skill requirements prescribed by the bank.

Experience Required

Relevant experience is important for this position.

Candidates with approximately 2 years of previous experience in the following areas may be preferred:

• Gold valuation
• Gold loan operations
• Retail banking
• Financial services
• Secured lending
• BFSI operations
• Gold purity assessment

Previous practical experience in evaluating gold ornaments can be especially beneficial for this role.

Job Responsibilities

The selected Valuer – Gold Loan may be responsible for:

• Conducting gold valuation according to the bank’s approved procedures and valuation methods.
• Examining pledged gold ornaments to determine purity and eligible value.
• Using appropriate valuation tools and techniques while assessing gold collateral.
• Ensuring that gold loan cases are processed within the prescribed turnaround time.
• Supporting branches in completing gold loan disbursement procedures efficiently.
• Visiting nearby branches for gold stock verification, audits and valuation-related work.
• Monitoring delinquent gold loan accounts and supporting branch teams in maintaining portfolio quality.
• Assisting branch employees in understanding proper gold valuation procedures.
• Conducting training sessions related to gold appraisal and fraud awareness.
• Performing customer reference verification wherever required.
• Maintaining complete integrity and transparency while dealing with customers and gold collateral.
• Avoiding any personal or financial interest in transactions handled on behalf of the bank.
• Maintaining strict confidentiality of customer information.
• Ensuring that internal bank information is not disclosed to competitors or unauthorised individuals.
• Following all operational and compliance policies prescribed by IDFC FIRST Bank.
• Safeguarding valuation equipment and other company assets provided for official duties.
• Working closely with branch and internal operational teams.
• Supporting customer engagement and business activities whenever required.
• Participating in additional departmental activities assigned by management.

Required Skills

Candidates should ideally possess a combination of technical knowledge and professional behaviour.

Technical Skills

• Strong understanding of gold purity testing.
• Knowledge of gold valuation methods.
• Ability to identify different purity levels of gold.
• Familiarity with gold loan operations.
• Understanding of secured lending procedures.
• Knowledge of collateral verification.
• Awareness of common fraud risks associated with gold loans.
• Knowledge of stock audit and verification procedures.
• Basic understanding of retail banking operations.
• Ability to maintain valuation and transaction records accurately.
• Working knowledge of Microsoft Word.
• Working knowledge of Microsoft Excel.
• Ability to use Microsoft PowerPoint.

Soft Skills

• Strong attention to detail.
• High level of integrity.
• Good communication skills.
• Customer-handling ability.
• Training and presentation skills.
• Professional behaviour.
• Strong sense of responsibility.
• Ability to maintain confidentiality.
• Good coordination skills.
• Ability to work independently.
• Willingness to travel between branches when required.
• Ability to work under operational timelines.
• Strong adherence to organisational policies.

Salary Details

The exact salary package for the IDFC FIRST Bank Valuer – Gold Loan vacancy has not been disclosed in the available recruitment advertisement.

The final salary may depend on factors such as:

• Previous work experience
• Gold valuation expertise
• Existing salary package
• Educational qualification
• Interview performance
• Job location
• Internal salary structure of the bank

Candidates should confirm the exact salary, incentives, reimbursements and other employment benefits directly with the authorised recruitment team during the interview or offer stage.

Applicants should not rely on unofficial salary claims unless they are confirmed in the official job offer.

Work Location

Job Location:

West Bengal, India

The vacancy has been listed as an on-site position.

Candidates should therefore be prepared to work from the bank’s assigned branch or office location.

The role may also require travel to nearby branches for valuation, audit or verification activities.

Work Mode

On-Site

This is not listed as a work-from-home position.

Job Type

Full-Time

Candidates should be prepared for regular banking and branch-related responsibilities according to the bank’s working schedule.

Work Shift

The exact duty hours and shift timings have not been specified in the available notification.

Candidates should verify the following during the recruitment process:

• Branch working hours
• Weekly working days
• Weekly offs
• Reporting time
• Field travel requirements
• Audit-related travel requirements

Salary and Benefits

While the exact salary and employee benefits have not been disclosed, candidates may ask the official recruitment team about:

• Fixed monthly salary
• Performance incentives, if applicable
• Provident Fund
• Insurance benefits
• Paid leave
• Travel reimbursement
• Medical benefits
• Employee banking benefits
• Annual performance benefits

The availability of these benefits will depend on the bank’s employment policy and should not be considered confirmed until included in official recruitment communication.

How to Apply for IDFC FIRST Bank Recruitment 2026

Eligible candidates can apply online through the official IDFC FIRST Bank career portal.

Step-by-Step Application Process

1. Visit the official IDFC FIRST Bank career website.
2. Search for the position “Valuer – Gold Loan”.
3. Open the relevant job vacancy.
4. Read the complete job description carefully.
5. Check the qualification, experience and location requirements.
6. Click on the Apply button.
7. Create an account or log in to the career portal if required.
8. Enter your personal details.
9. Provide educational qualification details.
10. Enter your previous employment and gold valuation experience.
11. Upload your latest resume or CV.
12. Review all information carefully.
13. Submit the application.
14. Save the application acknowledgement or reference number for future use.

Official Application Link

https://careers.idfcfirst.bank.in/in/en/job/IFBAINP221141ENIN

Candidates should preferably apply through the official IDFC FIRST Bank career portal to avoid fraudulent recruitment offers.

Required Documents

Applicants should keep the following documents ready:

• Updated Resume / CV
• Recent passport-size photograph
• Aadhaar Card
• PAN Card
• Valid government-issued identity proof
• Address proof
• 10th marksheet and certificate
• 12th marksheet and certificate
• Graduation marksheets
• Graduation certificate
• Postgraduate marksheets and certificate, if applicable
• Experience certificates
• Previous appointment letters
• Relieving letter, if applicable
• Recent salary slips, if applicable
• Previous employer ID or employment proof, if required
• Bank account details after selection, if requested
• Other documents requested by the recruitment team

Candidates should carry original documents only when specifically asked during document verification.

Other Important Details

• Company: IDFC FIRST Bank
• Position: Valuer – Gold Loan
• Location: West Bengal
• Employment Type: Full-Time
• Work Mode: On-Site
• Qualification: Full-Time Graduate in any discipline
• Relevant experience in gold valuation or BFSI is preferred.
• Candidates should have knowledge of gold purity testing and valuation.
• Travel to nearby bank branches may be required.
• Employees may be required to participate in branch stock audits.
• Maintaining confidentiality is a major requirement of the position.
• The candidate must maintain high ethical standards while handling customer gold.
• The role involves customer verification and branch coordination.
• Knowledge of MS Word, Excel and PowerPoint is beneficial.
• Candidates should be comfortable providing training to branch employees.
• Awareness of gold loan fraud and risk prevention is important.

Why Consider a Gold Loan Valuer Career?

Gold loan valuation is a specialised function within banking and financial services.

Professionals working in this field gain experience in areas such as:

• Gold purity testing
• Secured lending
• Collateral valuation
• Retail banking
• Gold loan processing
• Loan disbursement
• Portfolio monitoring
• Branch audits
• Fraud prevention
• Customer verification
• Banking compliance

Candidates with strong gold valuation knowledge can potentially build their careers in banks, NBFCs, gold loan companies and other secured-lending organisations.

Important Safety Advice for Job Seekers

Candidates should be cautious while applying for banking jobs online.

Always verify that recruitment communication is coming from an authorised company representative.

Do not pay money to an unknown individual for:

• Job confirmation
• Interview scheduling
• Offer letters
• Application processing
• Training fees
• Security deposits
• Joining confirmation

Job seekers should verify recruitment-related information through the official IDFC FIRST Bank career portal before sharing sensitive personal or financial information.