# Career Opportunities: Join the Leadership Team at BTN Syariah
BTN Syariah, a dedicated sharia business unit under PT Bank Tabungan Negara (Persero) Tbk, continues to pioneer ethical financial solutions across Indonesia. By strictly adhering to Islamic banking principles—specifically the prohibition of riba (interest), maisir (gambling), and gharar (uncertainty)—we offer a compliant and transparent alternative to conventional banking. As a pivotal branch of a state-owned financial institution, we are currently seeking visionary leaders to join our team and drive sustainable growth in our specialized departments.
## Gold Financing Department Head
We are looking for a strategic leader to spearhead our gold financing division. This role is essential for developing competitive, sharia-compliant gold products and expanding our market presence.
Key Responsibilities
* Strategic Product Development: Create and manage a roadmap for gold-based products, including gold pawning, installment plans, and sharia bullion banking.
* Business Growth: Forge strategic partnerships with gold marketplaces, fintech platforms, and retail ecosystems while leveraging digital channels to drive acquisition.
* Operational Excellence: Oversee risk mitigation, including gold valuation, storage, and regulatory compliance with OJK and DSN-MUI standards.
* Team Leadership: Guide a multidisciplinary team of product, partnership, and risk officers to achieve ambitious KPIs regarding financing volume and NPF management.
Qualifications and Competencies
* Education: Bachelor’s degree in Economics, Finance, Sharia, or Industrial Engineering.
* Experience: Minimum of 7 years in Islamic banking, multifinance, or pawning, with at least 3 years in a supervisor or assistant manager capacity.
* Expertise: Deep understanding of sharia contracts (Rahn, Murabahah, Ijarah) and risk management.
* Skills: Strong analytical, negotiation, and leadership abilities. Must hold relevant certifications in Gold and Risk Management (Levels 1–3).
## Customer Retention & Loyalty Department Head
The Customer Retention & Loyalty Department Head will play a vital role in fostering long-term relationships with our existing client base, ensuring that our sharia-compliant values translate into exceptional customer experiences.
Key Responsibilities
* Strategic Engagement: Design the entire customer lifecycle—from onboarding to retention—integrated with Islamic values such as ZISWAF and Hajj/Umrah concierge services.
* Cross-Selling and Upselling: Utilize data-driven insights to develop "next-best-offer" strategies, converting mortgage customers into long-term holders of multiple sharia products.
* Retention Programs: Manage loyalty platforms and rewards programs, with a focus on mitigating churn and increasing satisfaction among high-value priority segments.
* Data Analytics: Lead an analytics team to monitor NPS and engagement scores, providing management with actionable insights for future product development.
Qualifications and Competencies
* Education: Bachelor’s degree in Marketing, Management, Economics, or Data Analytics.
* Experience: Minimum 7 years in consumer banking, loyalty programming, or CRM, with at least 3 years in a leadership role.
* Technical Proficiency: Demonstrated success in using CRM tools and customer analytics to drive marketing initiatives.
* Mindset: Ability to balance commercial objectives with the Islamic customer value proposition.
## Why Build Your Career with Us?
At BTN Syariah, we offer more than just a job; we offer a career path defined by purpose and professional development. Selected candidates will be hired as permanent employees with an assignment at the National Sharia Bank (BSN).
What We Look For in Our Leaders
* Strategic Vision: The ability to differentiate our products within the competitive Islamic banking landscape.
* Business Acumen: A keen focus on balancing profitability with Sharia compliance.
* Digital Fluency: A natural aptitude for integrating banking services into SuperApps and e-commerce ecosystems.
* People Management: A dedication to coaching and developing high-performing teams of 5 to 15 professionals.
Join us in shaping the future of ethical banking in Indonesia. We are committed to fostering an environment where your professional growth aligns with our mission to provide inclusive, compliant financial services to the nation.