# Career Opportunities at BTN Syariah: Shaping the Future of Islamic Banking
BTN Syariah, the dedicated Islamic banking division of PT Bank Tabungan Negara (Persero) Tbk, continues to lead the way in providing financial solutions aligned with Sharia principles. By strictly adhering to the prohibition of riba (usury), maisir (gambling), and gharar (uncertainty), the institution offers a transparent and ethical alternative to conventional banking. As a pillar of Indonesia’s state-owned financial sector, BTN has long been synonymous with housing finance, and its Sharia arm is now seeking dynamic, experienced professionals to join its permanent workforce for critical leadership roles.
## Gold Financing Department Head
The Gold Financing Department Head will spearhead the development and growth of gold-based financial products, ensuring they are both commercially competitive and Sharia-compliant.
Core Responsibilities
* Strategic Product Development: Create and manage a comprehensive roadmap for gold-related services, including gold pawn, gold installment plans, and bullion banking, while performing rigorous market benchmarking.
* Business Development: Cultivate strategic partnerships within the gold ecosystem, such as jewelry retailers, fintech firms, and online marketplaces, while driving customer acquisition through digital platforms.
* Operational Excellence: Oversee end-to-end operational processes, ensuring all activities follow established Standard Operating Procedures (SOPs) and DSN-MUI fatwas.
* Leadership: Manage and mentor a multidisciplinary team, setting performance benchmarks for financing volume, yields, and non-performing financing (NPF) ratios.
Requirements & Competencies
* Professional Background: Bachelor’s degree in Economics, Finance, Sharia, or Industrial Engineering.
* Experience: A minimum of 7 years in Islamic banking, multifinance, or pawn services, with at least 3 years in a supervisory or assistant manager role.
Technical Proficiency: Expertise in Sharia contracts (Rahn, Murabahah, Ijarah*), risk management, and the gold industry.
* Certifications: Must hold professional certifications in Gold Pawn and Risk Management (Levels 1–3).
## Customer Retention & Loyalty Department Head
This role is pivotal in managing the lifecycle of existing customers, focusing on engagement, cross-selling, and long-term retention through value-based Islamic financial services.
Core Responsibilities
* Lifecycle Management: Design end-to-end customer journey maps that transition clients from initial onboarding to long-term engagement and multi-product holding.
* Cross-Selling Initiatives: Utilize data-driven analytics to generate "next-best-offer" (NBO) strategies, specifically targeting the conversion of mortgage clients into broader banking customers.
* Loyalty Program Development: Build and maintain an Islamic-focused loyalty platform that integrates lifestyle privileges, ZISWAF contributions, and Hajj/Umrah concierge services.
* Analytics & Reporting: Direct the team in maintaining an Early Warning System (EWS) to detect churn risks while monitoring Net Promoter Scores (NPS) to improve customer satisfaction.
Requirements & Competencies
* Professional Background: Bachelor’s degree in Marketing, Management, Economics, or Data Analytics.
* Experience: At least 7 years of experience in consumer banking, loyalty programs, or CRM, with a minimum of 3 years in a leadership capacity.
* Technical Proficiency: Strong command of CRM tools, customer segmentation, and data-driven marketing techniques.
* Strategic Insight: Demonstrated ability to translate Islamic values into compelling customer value propositions that foster brand loyalty.
Both positions are classified as permanent employee roles with the Indonesian National Sharia Bank (BSN). Successful candidates will possess a blend of strategic foresight, high-level leadership capabilities, and a deep-rooted commitment to the principles of Sharia finance. If you are ready to drive innovation in one of Indonesia’s most respected financial institutions, these roles offer the perfect platform to make a meaningful impact.