# Advancing Your Islamic Banking Career: Leadership Roles at BTN Syariah
Navigating the dynamic landscape of Islamic banking requires visionary leadership, strategic foresight, and an unwavering commitment to ethical financial practices. BTN Syariah, operating under the umbrella of PT Bank Tabungan Negara (Persero) Tbk, stands as a pillar of excellence in Indonesia's sharia-compliant financial sector. Known primarily for pioneering housing finance solutions rooted in Islamic principles—strictly avoiding riba (interest), maisir (gambling), and gharar (uncertainty)—the institution continues to expand its footprint through innovative financial products and customer-centric strategies.
For experienced professionals looking to make a meaningful impact in the realm of state-owned Islamic banking, stepping into a departmental head role presents a unique opportunity to shape the future of ethical finance. Two pivotal leadership positions currently drive this growth: the Gold Financing Department Head and the Customer Retention & Loyalty Department Head.
## 1. Gold Financing Department Head
Gold financing has emerged as one of the most resilient and attractive segments within Islamic consumer banking. As the Gold Financing Department Head, you will spearhead the creation, expansion, and optimization of gold-backed financial products—ranging from gold pawn broking (rahn) and installment schemes to modern bullion bank initiatives.
Core Responsibilities
Strategic & Product Development: Design comprehensive roadmaps for gold products, conduct thorough market research and competitor benchmarking, and formulate competitive pricing structures fully compliant with DSN-MUI regulations. Explore innovative sharia hook products using contracts like ijarah and MMQ*, alongside strategic fintech partnerships.
* Business Development & Sales: Forge strategic alliances within the broader gold ecosystem, including local jewelry merchants, digital marketplaces, and financial technology firms. Drive customer acquisition via digital channels such as SuperApps and payroll ecosystems while executing cross-selling strategies for existing mortgage holders.
* Operational & Risk Management: Oversee daily operations to ensure strict adherence to Standard Operating Procedures (SOPs) and sharia guidelines. Monitor gold valuation processes, secure storage facilities, and manage market price volatility risks while successfully navigating internal audits and regulatory compliance with OJK and DSN-MUI.
* Team & Performance Management: Inspire and mentor product, partnership, and risk officers. Establish clear individual and departmental Key Performance Indicators (KPIs) covering financing volume, yield, Non-Performing Financing (NPF), and cross-sell rates through active coaching.
Qualifications & Competencies
* Education: Minimum Bachelor’s degree (S1) in Economics, Finance, Islamic Studies, or Industrial Engineering.
* Experience: At least 7 years of professional experience in Islamic banking, multifinance, or pawn broking, with a minimum of 3 years in a supervisory or assistant manager capacity.
* Key Competencies: Advanced strategic thinking, robust business acumen regarding consumer portfolios, a digital-first mindset, and deep literacy in sharia contracts. Mandatory certifications include Certified Pawn Broking and Risk Management Levels 1–3.
## 2. Customer Retention & Loyalty Department Head
Retaining existing customers and maximizing their lifetime value is vital for sustainable banking growth. The Customer Retention & Loyalty Department Head will architect and execute sophisticated lifecycle management strategies, transforming existing clients into loyal advocates of the bank's ecosystem.
Core Responsibilities
* Strategic & Engagement Management: Oversee the entire Existing-To-Bank (ETB) lifecycle—from seamless onboarding to deep engagement, cross-selling, and long-term retention. Integrate core Islamic values into loyalty programs, including ZISWAF integration and exclusive Hajj/Umrah concierge services.
* Cross-Sell & Upsell: Leverage advanced data analytics to identify cross-selling opportunities, offering tailored solutions like payroll financing, transaction cards, and gold installment programs to established mortgage clients.
* Loyalty & Retention: Build engaging reward platforms offering cashback, rewards, and Islamic lifestyle privileges. Execute targeted retention campaigns for high-value segments (priority and affluent clients) while deploying proactive churn-prevention frameworks.
* Analytics & Insights: Direct analytical teams in generating precise customer segmentations and Early Warning Systems (EWS). Monitor Net Promoter Scores (NPS) and engagement metrics to deliver actionable intelligence to upper management.
* Team & Performance Management: Lead and guide engagement, analytics, and campaign officers. Set accountability metrics for retention rates and satisfaction indexes, facilitating continuous learning to adapt to evolving digital engagement tools.
Qualifications & Competencies
* Education: Minimum Bachelor’s degree (S1) in Marketing, Management, Economics, Statistics, or Data Analytics.
* Experience: At least 7 years of background in consumer banking, loyalty program management, or CRM, featuring a minimum of 3 years in a leadership or managerial role.
* Key Competencies: Proficiency in CRM tools, customer analytics, data-driven marketing methodologies, and a thorough understanding of Islamic customer value propositions.
## Shape the Future of Ethical Banking
Both positions offer permanent employment status (Pegawai Tetap) with a prestigious assignment under the National Islamic Bank (Bank Syariah Nasional). By joining BTN Syariah, you are not merely advancing your corporate career; you are actively contributing to the expansion of a financial system that prioritizes fairness, transparency, and societal well-being. If you possess the strategic mindset, leadership prowess, and dedication required to elevate these vital portfolios, take the next step and apply your expertise where it truly matters.