Bank BTN Jobs: Digital Loan Business Department Head | Treasury and Wholesale Banking Specialist | E-Channel Switching Development Specialist
PT Bank Tabungan Negara (Persero) Tbk, commonly known as Bank BTN, is one of Indonesia’s oldest and most prominent financial institutions. Established in 1897 under the name Postspaarbank during the Dutch colonial era, the bank initially served as a savings institution for postal services. Following Indonesia’s independence, the bank was nationalized in 1950 and renamed Bank Tabungan Negara. Over the decades, Bank BTN has evolved into a full-service commercial bank with a strong focus on housing finance, playing a pivotal role in supporting the government’s housing development programs. One of Bank BTN’s defining characteristics is its commitment to housing finance. The bank has long been recognized as a key partner of the Indonesian government in promoting home ownership, particularly among low- and middle-income families. It actively supports the government’s subsidized housing programs and provides mortgage financing tailored to various income levels. This strategic focus has positioned Bank BTN as a market leader in residential mortgage lending, with a significant share of the national housing loan portfolio.
In addition to its conventional banking services, Bank BTN has embraced digital transformation to enhance customer experience and operational efficiency. The bank offers mobile and internet banking platforms that allow customers to conduct transactions, access account information, and manage finances remotely. It also provides SMS banking and safe deposit box services, catering to the diverse needs of its clientele. The integration of digital solutions reflects Bank BTN’s commitment to innovation and its efforts to remain competitive in the rapidly evolving financial landscape.
Bank BTN operates under the supervision of Indonesia’s Financial Services Authority and is listed on the Indonesia Stock Exchange under the ticker symbol BBTN. As a publicly traded company, it adheres to principles of good corporate governance and transparency. The bank’s financial performance has shown resilience and growth, with substantial assets, equity, and profitability. In recent years, it has reported trillions of rupiah in revenue and net income, underscoring its role as a major player in the national banking sector.
The leadership of Bank BTN comprises experienced professionals who guide the bank’s strategic direction and ensure alignment with its mission and values. The bank’s vision is to be the leading partner in empowering Indonesian families financially, while its mission includes supporting financial and housing inclusion, delivering integrated digital and financial services, enhancing shareholder value through sustainable profitability, and fostering a culture of excellence and innovation.
Bank BTN’s brand portfolio includes several product lines designed to meet specific customer needs. These include Batara, Investa, Juara, Simpel, Cermat, Felas, Simuda, Prima, Spekta, Blink, and Balē. Each brand represents a unique offering, from basic savings accounts to investment solutions and youth-oriented financial products. The bank also provides corporate services such as cash management, payment management, and bank guarantees, supporting the financial operations of businesses across sectors.
With a legacy spanning more than a century, Bank BTN continues to play a vital role in Indonesia’s financial ecosystem. Its dedication to housing finance, digital innovation, and inclusive banking positions it as a trusted institution for millions of Indonesians. As the country progresses toward greater economic development and financial inclusion, Bank BTN remains committed to its foundational purpose of serving the people and contributing to national prosperity.
With over 737 branches and 3,789 ATMs across Indonesia, BTN has a strong presence in the country's financial landscape. The bank continues to innovate and adapt to the digital era, offering convenient online and mobile banking services to meet the evolving needs of its customers.
BTN's commitment to excellence and customer satisfaction has earned it numerous awards and recognitions, including the Gold Winner Mob-Ex Awards 2023 for the Best Campaign in Banking and Finance. The bank remains dedicated to its goal of providing accessible and high-quality financial services to the Indonesian population.
Latest job vacancy information for you who want to be part of BTN.
Digital Loan Business Department Head
Qualifications
- Minimum Bachelor's degree in any major, preferably from leading universities in Indonesia or worldwide;
- Maximum age 40 years;
- Minimum 10 years of work experience with at least 3 years in consumer loan;
- Minimum 3 years of experience in marketing / partnership;
- Good verbal and written communication skills;
- Strong presentation and negotiation skills;
- Proactive, highly initiative, and responsible;
- Able to work in a team;
- Understand consumer loan processes and products;
- Relationships with developers and property agents are an added value.
Job Description
- Manage the business roadmap with identified partners to achieve optimal profit;
- Manage relationships with potential digital partners, such as property agents, developers, and other supporting digital business partners;
- Negotiate and draft clear and mutually beneficial digital partnership agreements, considering regulations related to consumer loan financing;
- Collaborate with the product team for development and integration of technology from digital partners;
- Manage acquisition and usage program roadmap to increase consumer loan transactions.
Treasury and Wholesale Banking Specialist
Qualifications
- Minimum education Bachelor's degree in Information Technology, Information Systems, and/or Computer Science;
- Physically and mentally healthy;
- Willing to work as Contract Employee for 1 year;
- Minimum 3-5 years of work experience as System Analyst or similar position in banking industry, especially treasury systems;
- Excellent verbal and non-verbal communication skills, able to bridge business and technical needs;
- Strong understanding of treasury products such as Foreign Exchange (FX), Money Market, and Derivatives;
- Understand end-to-end lifecycle of treasury transactions from deal capture to settlement and accounting;
- Understand basic accounting concepts (debit / credit) and transaction mapping to General Ledger (GL);
- Proficient in programming languages such as Java, .Net, or PHP;
- Experienced in database management (SQL Server, MySQL, or Oracle);
- Understand system integration concepts such as API, file-based interface, web service, and messaging system;
- Strong problem analysis skills and able to perform systematic troubleshooting;
- Experienced in preparing test scenarios, SIT, and UAT as well as defect management;
- Accustomed to working in system implementation projects (waterfall or agile), including vendor coordination;
- Proactive, critical thinking, and able to challenge suboptimal solutions;
- Experience in implementing or developing treasury systems such as Murex, Calypso, Kondor, or OPICS is a major advantage.
Job Description
- Analyze business needs from Treasury, Risk, Finance, and Back Office units, and translate them into clear and measurable functional and technical specifications;
- Conduct testing, implementation, and monitoring of systems after upgrades or modifications;
- Ensure end-to-end transaction flow (front office, middle office, back office) including trade lifecycle (booking, amendment, settlement, maturity);
- Actively serve as liaison between business team, internal IT team, and vendors to ensure implementation is on time and within scope.
E-Channel Switching Development Specialist
Qualifications
- Minimum education Bachelor's degree in Information Technology, Information Systems, and/or Computer Science;
- Minimum 5 years of work experience with at least 2 years in IT;
- Physically and mentally healthy;
- Able to understand and implement ISO 8583 including message structure, data elements, and transaction parsing and mapping;
- Understand persistent and non-persistent connection between Switching and Host;
- Able to map data from one format to another (e.g., ISO 8583 to JSON for Mobile Banking API);
- Understand transaction workflow across channels including Authorization, Clearing, and Settlement stages;
- Understand terminal management, especially how Switching manages ATM or EDC terminals (such as Download Key, Echo Test, etc.);
- Experienced in integrating internal systems with billers such as PLN and Telkom Indonesia, and with national switching such as GPN, Rintis / Prima, and ALTO;
- Understand information security aspects (security and encryption) in switching systems, including use of Hardware Security Module (HSM) for PIN encryption;
- Understand cryptography concepts such as PIN Block, Message Authentication Code (MAC), and key management (ZPK, TMK, LMK) in securing financial transactions;
- Able to analyze logs and troubleshoot E-Channel systems running 24/7, including reading and analyzing trace logs to identify transaction failure causes (network, database timeout, or response code from counterpart system);
- Understand high availability concepts such as Active-Active and Active-Passive to ensure system runs with minimal downtime (zero downtime).
Job Description
- Collect data and information related to ITM application development requests and surrounding impact to ensure program change requests are completed on time;
- Develop ITM-related applications to produce programs or applications according to user needs;
- Conduct internal testing of developed applications to produce unit test results within the set timeframe;
- Prepare testing scenarios for both normal and negative tests to produce SIT scripts within the set timeframe;
- Conduct application testing involving related units and User Division to produce System Integration Testing (SIT) within the set timeframe;
- Provide support for testing of developed applications (UAT);
- Conduct analysis if there are issues with ITM applications and their surroundings within the set timeframe;
- Assist operational testing after program is promoted to production machine to ensure Post Implementation Review (PIR) is completed on time.
Beware of fraud! BTN never charges any fees in the recruitment process.
Official announcements are only through corporate e-mail with the domain timrekrutmen[at]btn.co.id and BTN corporate SMS blast.
BTN recruitment committee does not accept any form of gratuity.
PS: Translated from Bahasa Indonesia.
Digital Loan Business Department Head | Treasury and Wholesale Banking Specialist | E-Channel Switching Development Specialist
