# Professional Opportunities at BTN Syariah: Strategic Leadership Roles
BTN Syariah, the dedicated Islamic banking division of PT Bank Tabungan Negara (Persero) Tbk, stands as a cornerstone of Indonesia’s sharia-compliant financial landscape. Operating under the umbrella of a prominent state-owned enterprise, BTN Syariah is committed to delivering banking solutions that strictly adhere to ethical principles—specifically those prohibiting riba (interest), maisir (gambling), and gharar (uncertainty). As the institution continues to expand its influence in the financial sector, it is seeking dynamic, visionary leaders to drive growth in its Gold Financing and Customer Retention divisions.
## 1. Gold Financing Department Head
The Gold Financing Department Head role is a critical position tasked with shaping the future of precious metal-based financial products within the bank.
Core Responsibilities
Strategic Product Development: Formulate comprehensive roadmaps for gold-related offerings, including gold pawning, installment plans, and bullion banking. You will conduct market research, set competitive pricing, and design innovative products such as Ijarah or Musyarakah Mutanaqisah* (MMQ) to ensure sharia compliance.
* Business Development & Sales: Build strategic alliances with gold ecosystems, marketplaces, and fintech firms. You will leverage digital channels, including the bank’s SuperApp, to drive acquisition and implement cross-selling strategies for existing mortgage customers.
* Operational & Risk Oversight: Ensure all operational workflows align with standard operating procedures and sharia governance. This includes supervising gold appraisal, secure storage, and regulatory compliance with OJK and DSN-MUI standards.
* Leadership & Performance: Manage and mentor a multidisciplinary team. You are responsible for setting and achieving KPIs, including financing volume, yield, and Non-Performing Financing (NPF) ratios.
Requirements & Competencies
* Educational Background: Minimum Bachelor’s degree in Economics, Finance, Islamic Studies, or Industrial Engineering.
* Experience: At least 7 years in Islamic banking, multifinance, or pawn broking, with a minimum of 3 years in a supervisor or assistant manager capacity.
Core Competencies: Proficiency in sharia contracts (Rahn, Murabahah, Ijarah*), strong analytical skills, and professional networking capabilities.
* Certifications: Must hold Certified Pawning and Level 1–3 Risk Management certifications.
## 2. Customer Retention & Loyalty Department Head
This role is designed for a strategic thinker who can elevate customer lifetime value through data-driven engagement and meaningful, value-based loyalty programs.
Core Responsibilities
* Strategic Engagement: Design the entire customer lifecycle—from initial onboarding to retention. You will develop loyalty programs rooted in Islamic values, such as ZISWAF integration and Hajj/Umrah concierge services.
Cross-Selling Initiatives: Utilize data analytics to identify next-best-offer* opportunities, converting existing mortgage clients into long-term users of payroll financing and other retail banking products.
* Loyalty & Churn Management: Lead the development of loyalty platforms and rewards systems while implementing rigorous churn prevention strategies for high-value segments.
* Data Analytics: Direct the analytics team to maintain an Early Warning System (EWS) for customer attrition and monitor Net Promoter Scores (NPS) to provide actionable insights for senior management.
Requirements & Competencies
* Educational Background: Minimum Bachelor’s degree in Marketing, Management, Economics, or Data Analytics.
* Experience: At least 7 years in consumer banking, loyalty programs, or CRM, with at least 3 years in a leadership or managerial role.
* Core Competencies: Expertise in CRM tools, customer lifecycle mapping, and Islamic customer value propositions.
* Strategic Mindset: Ability to synthesize complex data into clear marketing strategies that adapt to digital banking trends.
## Joining the Team
These positions are offered as permanent employee status with an assignment at Bank Syariah Nasional (BSN). Successful candidates will be instrumental in bridging traditional Islamic financial values with modern digital innovation, fostering a culture of excellence and ethical growth at one of Indonesia's most respected banking institutions.