# Unlocking Professional Growth: Strategic Leadership Roles at BTN Syariah
Stepping into a prominent leadership role within Indonesia’s rapidly expanding Islamic banking sector offers a transformative opportunity for ambitious financial professionals. As the dedicated Shariah business unit of PT Bank Tabungan Negara (Persero) Tbk—a distinguished Indonesian state-owned enterprise renowned for pioneering national housing finance—BTN Syariah operates strictly under ethical, interest-free financial frameworks. By eliminating elements such as riba (usury), maisir (speculation), and gharar (uncertainty), the institution delivers robust, values-driven financial services to millions of individuals and businesses nationwide.
For seasoned experts eager to shape the future of ethical banking, two pivotal permanent positions—Gold Financing Department Head and Customer Retention & Loyalty Department Head—present a chance to drive meaningful innovation within a national Islamic banking framework.
## Gold Financing Department Head
The gold financing sector represents one of the most dynamic growth drivers in modern Islamic banking. Leading this division requires a unique blend of sharp business acumen, regulatory compliance, and creative product development.
Core Responsibilities and Strategic Scope
Strategic & Product Development: Design comprehensive product roadmaps covering gold pledging (gadai emas), gold installment plans (cicil emas), and Shariah bullion banking. Conduct rigorous market research, benchmark against industry leaders, and formulate competitive, Shariah-compliant pricing strategies and margin structures. Innovate new hook products integrating concepts like ijarah, MMQ*, and strategic fintech partnerships.
* Business Development & Sales: Forge robust alliances across the gold ecosystem, including retail jewelers, digital marketplaces, and financial technology firms. Accelerate customer acquisition through digital channels such as proprietary SuperApps and employer payroll ecosystems. Formulate effective cross-selling strategies targeting existing mortgage holders with gold installment offers, while establishing clear sales targets and monitoring unit performance.
* Operational & Risk Management: Ensure daily operations for gold pledging and installment products strictly adhere to standard operating procedures and Islamic legal principles. Oversee precise valuation protocols, secure storage facilities, and price-risk mitigation strategies. Manage regulatory audits and maintain total compliance with directives from the Financial Services Authority (OJK) and the National Shariah Board (DSN-MUI).
* Team & Performance Management: Mentor and guide internal unit officers—including product, partnership, and risk specialists. Define individual and team Key Performance Indicators spanning financing volume, yield, Non-Performing Financing (NPF), and cross-sell rates. Deliver targeted coaching to elevate team capabilities.
Candidate Qualifications
* Hold at least a Bachelor's degree (S1) in Economics, Finance, Shariah Studies, or Industrial Engineering.
* Accumulate a minimum of 7 years of professional experience in Islamic banking, multi-finance, or pawn broking, with at least 3 years served in a supervisory or assistant managerial capacity.
Demonstrate advanced comprehension of gold commodities, Islamic contracts (rahn, murabahah, ijarah*), and comprehensive risk management frameworks.
* Possess an established professional network within the gold, fintech, or retail Islamic finance ecosystems.
* Exhibit exceptional analytical, negotiation, and team leadership capabilities.
Required Competencies
* Strategic Vision: Ability to position gold products as a vital market differentiator for Islamic banking units.
* Business Acumen: Skill in connecting foundational hook products directly with portfolio yields and consumer portfolios.
* Digital Fluency: Familiarity with integrating financial services into modern SuperApps, e-commerce platforms, and fintech infrastructures.
* Leadership Excellence: Proven capacity to manage and inspire small-to-medium teams ranging from 5 to 15 professionals.
* Shariah Literacy: Comprehensive understanding of DSN-MUI fatwas and underlying contracts governing gold financing.
* Professional Certifications: Holding official certifications in Pawning and Risk Management (Levels 1 through 3) is highly advantageous.
## Customer Retention & Loyalty Department Head
Retaining existing customers and maximizing their lifetime value is vital for sustainable banking growth. This leadership position focuses on nurturing enduring relationships through value-aligned engagement strategies and data-driven loyalty initiatives.
Core Responsibilities and Strategic Scope
* Strategic & Engagement Management: Architect comprehensive Existing-to-Bank (ETB) lifecycle management strategies encompassing onboarding, active engagement, cross-selling, and long-term retention. Implement customer engagement initiatives rooted in Islamic values, such as ethical loyalty programs, integrated ZISWAF (Zakat, Infaq, Sadaqah, and Waqf) features, and specialized pilgrimage concierge services. Develop detailed customer journey maps centered around multi-product holding.
* Cross-Sell & Upsell Execution: Pinpoint prime cross-selling opportunities—such as offering payroll financing, transactional cards, or gold installment schemes to existing mortgage clients. Generate data-backed next-best-offer strategies and collaborate closely with cross-functional divisions to leverage mortgage pipelines as primary customer acquisition feeders.
* Loyalty & Retention Initiatives: Build sophisticated loyalty platforms offering rewards, cashbacks, and exclusive Islamic lifestyle privileges. Execute retention campaigns tailored for high-value segments, including priority, prospera, and affluent clients. Actively manage churn prevention and relapse protocols for ETB segments exhibiting elevated attrition risks.
* Analytics & Insights Leadership: Direct analytical teams to produce granular customer segmentation models and Early Warning Systems. Track Net Promoter Scores and overall engagement levels, translating insights into actionable recommendations for senior management to develop new products tailored to established client needs.
* Team & Performance Management: Direct and mentor engagement, analytics, and campaign officers. Establish rigorous performance targets covering cross-sell volumes, retention percentages, and satisfaction indices. Provide continuous training to ensure staff remain adaptable to evolving digital engagement tools.
Candidate Qualifications
* Possess a minimum of a Bachelor's degree (S1) in Marketing, Management, Economics, Statistics, or Data Analytics.
* Demonstrate 7 or more years of experience within consumer banking, loyalty program management, or Customer Relationship Management (CRM), featuring at least 3 years in a supervisory or assistant managerial role.
* Display practical expertise in utilizing CRM software, customer analytics tools, and data-driven marketing frameworks.
* Prove a successful track record in designing cross-selling initiatives, loyalty programs, or lifecycle management strategies within banking or financial technology sectors.
* Show clear familiarity with Islamic banking principles and consumer value propositions.
## Employment Status and Organizational Assignment
Both positions are offered on a Permanent Employee status with official assignment designated to the National Shariah Bank (Bank Syariah Nasional / BSN). These roles provide an exceptional platform to influence the trajectory of Islamic finance in Indonesia while advancing a rewarding executive career in a mission-driven financial institution.