# Strategic Leadership Roles at BTN Syariah: Driving Growth and Innovation
BTN Syariah, the dedicated Islamic banking division of PT Bank Tabungan Negara (Persero) Tbk, stands as a cornerstone of ethical finance in Indonesia. As a state-owned financial institution, the bank is committed to delivering solutions that strictly adhere to Shariah principles, ensuring that all financial activities remain free from riba (usury), maisir (gambling), and gharar (uncertainty). With a core legacy in housing finance, the bank is now expanding its horizons, seeking visionary leaders to spearhead its gold financing and customer loyalty initiatives.
## Gold Financing Department Head: Shaping the Future of Shariah-Compliant Precious Metal Products
The Gold Financing Department Head plays a pivotal role in positioning BTN Syariah as a leader in the gold market. This position requires a strategic mind capable of balancing competitive product development with the rigorous demands of Shariah compliance.
Core Responsibilities
Strategic & Product Development: Design and execute a comprehensive gold product roadmap, including gold pawning, installment plans, and bullion banking, while identifying new hooks such as ijarah and MMQ*.
* Business Growth & Sales: Forge strategic alliances with gold marketplaces, fintech partners, and retail ecosystems to drive acquisition via digital channels and the bank’s SuperApp.
* Operational Excellence: Oversee risk mitigation, asset valuation, and storage protocols, ensuring full compliance with OJK regulations and DSN-MUI fatwas.
* Leadership: Manage and mentor a cross-functional team, setting clear KPIs regarding financing volume, yield, and asset quality.
Qualifications and Competencies
* Experience: A minimum of 7 years in Islamic banking, multifinance, or pawning, with at least 3 years in a supervisory or assistant management role.
* Educational Background: Bachelor’s degree in Economics, Finance, Shariah, or Industrial Engineering.
Key Competencies: Strong digital mindset, deep understanding of Shariah contracts (rahn, murabahah*), and professional certifications in gold management and risk management (Level 1–3).
## Customer Retention & Loyalty Department Head: Maximizing Lifecycle Value
The Customer Retention & Loyalty Department Head is tasked with transforming the existing customer base into a thriving ecosystem of long-term advocates. This role focuses on data-driven engagement and the seamless integration of Islamic financial values into the customer journey.
Core Responsibilities
* Lifecycle Management: Orchestrate the entire customer lifecycle—from onboarding to retention—using Islamic-centered loyalty programs, including ZISWAF integration and Hajj/Umrah concierge services.
* Cross-Selling Initiatives: Utilize advanced data analytics to generate "Next Best Offers," encouraging existing mortgage holders to engage with payroll financing, transaction cards, and gold investment products.
* Loyalty & Retention Strategies: Develop and manage digital loyalty platforms and high-value retention programs tailored to Priority and Prospera segments.
* Analytical Leadership: Drive the implementation of Early Warning Systems (EWS) and monitor key metrics such as Net Promoter Score (NPS) and engagement indices to inform product innovation.
Qualifications and Competencies
* Experience: At least 7 years of experience in consumer banking, CRM, or loyalty programs, with 3 years in a leadership capacity.
* Technical Proficiency: Advanced knowledge of CRM tools, customer analytics, and data-driven marketing strategies.
* Educational Background: Bachelor’s degree in Marketing, Management, Economics, or Data Analytics.
* Competencies: Exceptional ability to foster collaboration, a strong grasp of Islamic customer value propositions, and the capacity to lead teams in an increasingly digital financial landscape.
## Professional Growth at BTN Syariah
These positions offer more than just a job; they represent an opportunity to influence the trajectory of a major national institution. As permanent employees assigned to the National Shariah Bank (BSN), successful candidates will enjoy the prestige of contributing to Indonesia’s growing Islamic economy while refining their leadership skills in a high-impact environment. By bridging the gap between traditional banking and modern digital requirements, these roles provide a unique platform for professional development and meaningful industry contribution.