# Career Opportunities at BTN Syariah: Strategic Leadership Roles
BTN Syariah, a dedicated business unit of PT Bank Tabungan Negara (Persero) Tbk (Bank BTN), stands as a pillar of ethical financial services in Indonesia. Committed to banking excellence, the institution operates strictly under Shariah principles, ensuring that all financial activities remain free from riba (interest), maisir (gambling), and gharar (uncertainty). As a state-owned enterprise (BUMN) leader in the housing finance sector, BTN continues to innovate by expanding its Shariah-compliant product offerings for individuals, businesses, and the broader community. To support this growth, we are currently seeking experienced professionals to lead key strategic departments.
## 1. Gold Financing Department Head
This leadership role is pivotal for driving the growth and sustainability of our gold-based financial products. The successful candidate will spearhead the expansion of our bullion, pawning, and installment services.
Core Responsibilities
* Strategy & Product Innovation: Define the roadmap for gold products, conduct market benchmarking, and design competitive pricing models that strictly adhere to Shariah compliance.
* Business Growth: Forge strategic partnerships within the gold ecosystem, including fintech platforms and marketplaces, while leveraging digital channels for customer acquisition.
* Risk & Compliance: Oversee operational integrity, including gold valuation, storage security, and audit protocols mandated by OJK and DSN-MUI.
* Team Leadership: Manage a high-performing team of product and risk officers, setting clear KPIs for financing volume, yield, and asset quality.
Qualifications & Competencies
* Education: Bachelor’s degree in Economics, Finance, Shariah, or Industrial Engineering.
* Experience: Minimum of 7 years in Islamic banking, multifinance, or pawning, with at least 3 years in a supervisory or assistant manager capacity.
* Expertise: Deep understanding of Shariah contracts (Rahn, Murabahah, Ijarah), gold market dynamics, and advanced risk management frameworks.
* Certifications: Possession of Level 1–3 certifications in Pawn Management and Risk Management is highly valued.
## 2. Customer Retention & Loyalty Department Head
We are looking for a visionary professional to elevate our customer engagement strategy. This role focuses on maximizing the lifetime value of our existing customer base through personalized, value-driven experiences.
Core Responsibilities
* Engagement Strategy: Develop end-to-end lifecycle management strategies, from onboarding to retention, integrated with Islamic values such as ZISWAF and Hajj/Umrah services.
* Revenue Growth: Drive cross-selling initiatives by leveraging data-driven "Next-Best-Offer" (NBO) strategies for existing mortgage and consumer banking clients.
* Loyalty Management: Build and manage loyalty platforms, including reward systems and Islamic lifestyle privileges designed for high-value and affluent segments.
* Data-Driven Insights: Utilize customer analytics and Early Warning Systems (EWS) to monitor satisfaction (NPS) and proactively reduce churn.
Qualifications & Competencies
* Education: Bachelor’s degree in Marketing, Management, Economics, or Data Analytics.
* Experience: At least 7 years in consumer banking, CRM, or loyalty program management, with a minimum of 3 years of experience in a leadership position.
* Expertise: Advanced knowledge of CRM tools, customer lifecycle mapping, and data-driven marketing techniques.
* Soft Skills: Strong leadership capability to guide cross-functional teams and a deep appreciation for the Islamic banking value proposition.
## Join Our Mission
Both positions are permanent employee roles assigned to the National Shariah Bank (BSN). We invite highly motivated individuals who are passionate about scaling Islamic finance in Indonesia to join our dynamic team. By joining BTN Syariah, you contribute to a legacy of trust, integrity, and sustainable financial growth that helps build a stronger future for the nation.