Bank Syariah Nasional (BSN) Jobs: Individual Business Solution Department Head | Retail Customer Engagement Department Head

Bank Syariah Nasional is a sharia-based financial institution that represents a new chapter in Indonesia’s banking industry. Established on October 2, 2025, the bank operates as a subsidiary of Bank Tabungan Negara and is headquartered at Menara Bank BTN, Jakarta. The institution was created to strengthen the presence of Islamic banking in Indonesia, offering financial services that comply with sharia principles while addressing the needs of both individual and business customers. Its foundation reflects the growing demand for ethical and faith-based financial solutions in the country, positioning itself as a trusted partner for communities seeking transparency, fairness, and inclusivity in financial transactions.
The roots of Bank Syariah Nasional can be traced back to earlier institutions, including Bank Swaguna and Bank Victoria Syariah, which eventually evolved into the current entity. This transformation was part of a broader effort to consolidate and modernize Islamic banking services, ensuring that customers benefit from a stronger, more resilient institution. With its establishment, the bank has embraced a vision of becoming a leading provider of sharia-compliant financial products, while also contributing to national economic development. Its leadership team, composed of experienced professionals in the banking sector, has set clear strategies to expand services across Indonesia, focusing on accessibility and innovation.
Bank Syariah Nasional offers a wide range of products tailored to individual and business needs. For individuals, the bank provides financing options such as home ownership loans, refinancing, vehicle financing, and gold-based products. These offerings are designed to help customers achieve their financial goals while adhering to Islamic principles that prohibit interest-based transactions. In addition, the bank supports personal savings and investment through various deposit schemes, including wadiah and mudharabah accounts, gold savings, hajj and umrah savings, and student savings programs. These products not only encourage financial discipline but also align with cultural and religious practices, making them highly relevant to the Indonesian market.
For businesses, Bank Syariah Nasional delivers financing solutions that support working capital, investment, property development, and land acquisition. These services are crucial for entrepreneurs and corporations seeking to expand operations while maintaining compliance with sharia law. The bank also provides cash management services and digital platforms to streamline financial transactions, reflecting its commitment to modernization and efficiency. By combining traditional values with modern technology, Bank Syariah Nasional ensures that its clients can operate in a competitive environment without compromising their principles.
The institution’s financial performance demonstrates steady growth, with revenues reaching over three trillion rupiah in 2023 and net profits increasing significantly compared to the previous year. This upward trajectory highlights the bank’s ability to manage resources effectively and respond to market demands. It also reflects the trust placed in the bank by its customers, who view it as a reliable partner in managing their financial affairs. The bank’s profitability is not only a measure of success but also a foundation for reinvestment into new services, branch expansion, and technological innovation.
Bank Syariah Nasional places strong emphasis on governance and compliance. Its operations are overseen by a board of commissioners and a supervisory board dedicated to ensuring adherence to sharia principles. This structure provides transparency and accountability, reinforcing customer confidence in the bank’s practices. Moreover, the institution actively promotes financial literacy and inclusion, aiming to reach communities that may have limited access to conventional banking services. By doing so, it contributes to reducing inequality and fostering economic empowerment across Indonesia.
The bank’s presence extends to multiple regions, with branches and service points strategically located to serve diverse communities. From major urban centers such as Jakarta, Surabaya, and Bandung to smaller cities across Sumatra, Kalimantan, Sulawesi, and beyond, Bank Syariah Nasional ensures that its services are accessible to a wide population. This extensive network reflects its mission to be a truly national institution, bridging gaps between regions and supporting local economies. Each branch is designed to deliver consistent service quality, guided by operational standards that prioritize professionalism, accuracy, and customer satisfaction.
Innovation is another cornerstone of Bank Syariah Nasional’s strategy. The institution invests in digital banking solutions, enabling customers to access services conveniently through mobile applications and online platforms. These tools allow for seamless transactions, account management, and financial planning, catering to the needs of a younger, tech-savvy generation. At the same time, the bank remains committed to personal interaction, recognizing the importance of human connection in building trust and long-term relationships with clients.
Bank Syariah Nasional embodies the values of integrity, dedication, and service. Its establishment marks a significant milestone in Indonesia’s financial landscape, offering a blend of tradition and modernity that resonates with the aspirations of its people. By focusing on ethical finance, customer empowerment, and national development, the bank positions itself as more than just a financial institution it becomes a partner in progress, supporting individuals and businesses in achieving their goals while contributing to the prosperity of the nation.
BSN is seeking high‑caliber talents who are ready to grow in the sharia banking industry.

Individual Business Solution Department Head - Professional Hire

• Jakarta
• Permanent Employee

Job Description

• Develop and implement sales strategies for retail funding products, including business analysis, market potential evaluation, and product performance review.
• Expand and maintain strategic partnerships with business partners through cross-division coordination and network support to achieve business targets, as well as broaden acquisition via B2B and B2C collaborations.
• Manage program fund distribution to ensure proper allocation.
• Monitor and evaluate program implementation through coordination with related units to ensure effective execution of retail product sales strategies.
• Oversee the development of policies and SOPs for retail funding product sales to maximize business process effectiveness.
• Ensure all business processes within the unit comply with applicable policies and regulations, including resolving follow-ups and audit findings.

Requirements

• Minimum Bachelor’s degree in any major (Master’s degree is an advantage).
• At least 10 years of experience in banking or financial services (preferably Islamic finance), with a minimum of 5 years in managerial / senior manager positions.
• Preferably has experience working at Head Office.
• Experienced in retail funding product and business development, including managing third-party fund growth strategies.
• Skilled in ecosystem-based business development, including building B2B2C partnerships to acquire and optimize retail customer potential from institutions, corporations, and communities sustainably.
• Experienced in preparing business cases, marketing strategies, and customer acquisition programs to drive retail business growth.
• Strong market analysis, business analysis, and program performance evaluation skills to support strategic decision-making.
• Strong leadership, stakeholder management, communication, and negotiation skills for managing internal and external relationships.
• Preferably understands Islamic banking concepts.
• Holds a minimum risk certification of BSMR Level 3.
• Possesses strong professional relationships and a solid database.

Retail Customer Engagement Department Head - Professional Hire

• Jakarta
• Permanent Employee

Job Description

• Develop strategies, initiatives, and work plans related to the core functions of the department to achieve business targets.
• Make decisions on proposed work plans, budgets, or initiatives related to the unit under departmental supervision, in line with authority.
• Provide direction and input to improve productivity and performance of units under the department.
• Evaluate performance and identify improvement areas within the department.
• Supervise and review the development of retail customer loyalty frameworks across all segments.

Requirements

• Minimum Bachelor’s degree in any major (Master’s degree is an advantage).
• At least 10 years of experience in banking or financial services (preferably Islamic finance), with a minimum of 5 years in managerial / senior manager positions.
• Preferably has experience working at Head Office.
• Experienced in managing retail banking business, particularly retail funding, customer acquisition, retention, engagement, and loyalty management.
• Skilled in developing and implementing customer segmentation strategies, including managing mass, affluent, and priority banking segments.
• Experienced in designing and implementing customer lifecycle management frameworks covering acquisition, activation, engagement, retention, and loyalty to support sustainable retail funding growth.
• Experienced in managing events and selling activities.
• Strong market analysis, business analysis, and program performance evaluation skills to support strategic decision-making.
• Strong leadership, stakeholder management, communication, and negotiation skills for managing internal and external relationships.
• Preferably understands Islamic banking concepts.
• Holds a minimum risk certification of BSMR Level 3.
• Possesses strong professional relationships and a solid database.

Registration can be accessed through the links below.
Application deadline: June 21, 2026.
Register yourself now and be part of the journey toward a brighter future with BSN.
Attention: BSN does not charge any fees during the recruitment process. Please be cautious of any fraudulent activities claiming to represent BSN.
PS: Translated from Bahasa Indonesia.

Individual Business Solution Department Head | Retail Customer Engagement Department Head | Official Info