# Driving Growth and Innovation in Islamic Banking: Career Opportunities at BTN Syariah
Stepping into a career within Islamic banking requires a unique blend of financial expertise, ethical grounding, and strategic vision. As a prominent Sharia business unit operating under PT Bank Tabungan Negara (Persero) Tbk (Bank BTN), BTN Syariah remains steadfast in delivering ethical financial solutions that strictly adhere to Islamic principles. By completely eliminating interest (riba), uncertainty (gharar), and speculation (maisir), the institution has cemented its reputation as a trusted pillar of modern, values-driven banking in Indonesia.
For seasoned professionals eager to shape the future of ethical finance, leadership roles within this organization offer a chance to drive meaningful impact. Below are two pivotal departmental head positions currently open for dynamic leaders ready to elevate the institution's market presence.
## 1. Gold Financing Department Head
The gold financing sector represents a vital frontier for expanding Sharia-compliant wealth management and retail financing. This leadership role demands a visionary strategist capable of scaling gold-backed financial products while maintaining strict regulatory compliance.
Key Responsibilities and Scope of Work
Strategic & Product Development: Design comprehensive roadmaps for gold-related products—including gold pawn services, gold installment schemes, and Sharia bullion banking. Conduct rigorous market research, establish competitive pricing structures, and introduce innovative Sharia-compliant hooks such as ijarah, MMQ*, and fintech partnerships.
* Business Development & Sales: Forge strategic alliances across the gold ecosystem, encompassing local jewelers, technology platforms, and digital marketplaces. Accelerate customer acquisition via digital channels while designing effective cross-selling strategies for existing mortgage holders.
* Operational & Risk Management: Guarantee that all gold appraisal, storage, and financing procedures strictly align with internal Standard Operating Procedures and DSN-MUI fatwas. Proactively manage market volatility risks and handle regulatory audits seamlessly.
* Team & Performance Management: Mentor product and risk officers, set clear individual Key Performance Indicators (KPIs), and foster a high-performance culture focused on yield optimization and portfolio health.
Professional Qualifications
* A minimum of a Bachelor's degree in Economics, Finance, Islamic Studies, or Industrial Engineering.
* At least 7 years of cumulative experience in Sharia banking, multi-finance, or pawn institutions, with a minimum of 3 years in a supervisory or assistant managerial capacity.
Demonstrated expertise in Sharia contracts (rahn, murabahah, ijarah*) and risk management frameworks.
* Established professional networks within the gold retail, fintech, or Islamic finance sectors.
Required Core Competencies
* Strategic Thinking: Ability to position gold products as a distinct competitive differentiator for Islamic banking operations.
* Digital Mindset: Familiarity with integrating financial products into SuperApps and e-commerce ecosystems.
* Shariah Literacy: Comprehensive command over DSN-MUI rulings governing gold financing.
* Professional Certifications: Possession of Certified Pawn and Risk Management certifications (Levels 1–3).
## 2. Customer Retention & Loyalty Department Head
Sustaining long-term client relationships is critical in a competitive financial landscape. This role centers on optimizing the customer lifecycle, maximizing lifetime value, and championing loyalty initiatives rooted in ethical values.
Key Responsibilities and Scope of Work
* Strategic & Engagement Management: Formulate robust lifecycle management strategies covering onboarding, active engagement, cross-selling, and retention. Implement value-driven initiatives such as Islamic loyalty rewards, ZISWAF integration, and exclusive pilgrimage concierge services.
* Cross-Sell & Upsell: Leverage advanced data analytics to generate next-best-offer strategies, seamlessly transitioning mortgage clients into secondary products like payroll financing and transaction cards.
* Loyalty & Retention: Direct loyalty platforms featuring cashback incentives and lifestyle privileges while executing targeted retention campaigns for affluent and high-net-worth segments.
* Analytics & Insights: Supervise analytical teams to develop precise customer segmentation models and Early Warning Systems to preempt customer attrition.
Professional Qualifications
* A minimum of a Bachelor’s degree in Marketing, Management, Economics, Statistics, or Data Analytics.
* At least 7 years of professional experience in consumer banking, customer relationship management, or loyalty program development, with 3 years spent in a supervisory or managerial role.
* Advanced proficiency in CRM tools, predictive analytics, and data-driven marketing methodologies.
* In-depth familiarity with Islamic customer value propositions and ethical banking frameworks.
## Employment Terms and Next Steps
Both positions are offered on a permanent employment status with direct assignment to the National Sharia Bank (Bank Syariah Nasional). Ideal candidates will possess exceptional negotiation abilities, profound analytical acumen, and a demonstrated passion for expanding ethical financial inclusion across Indonesia. Seize the opportunity to redefine modern banking standards by joining a forward-thinking institution committed to sustainable economic growth.