National Consultant for Access to Finance and Agro-Insurance Specialist for Public-Social-Private Partnerships for Ecologically-Sound Agriculture and Resilient Livelihood
| For : | Cambodian Only |
| Categories : | Agriculture, Banking / Finance, Economics, Rural development |
| Schedule : | Full time job |
| Sex : | Male, Female |
| Language : | Khmer, English |
| Location : | Phnom Penh |
| Hiring : | 1 Position |
| Closing Date : | 25th February 2026 |
| Salary : |
Negotiable
|
| Experience : | Yes |
| Degree : | Bachelor |
Ministry of Environment (MoE) in collaboration with FAO Cambodia is implementing a project, namely “Public-Social-Private Partnerships for Ecologically-Sound Agriculture and Resilient Livelihood in Northern Tonle Sap Basin (PEARL)”. PEARL aims to enhance climate change resilience of smallholder farmers and local communities in the Northern Tonle Sap Basin (NTSB) by promoting climate-resilient, higher-value, inclusive and sustainable agriculture through a value-chain approach built on effective public-social-private partnerships. The project is structured under three interconnected outcomes targeting 450,000 smallholder farmers and value chain actors and one million indirect beneficiaries in four Provinces (Oddar Meanchey, Preah Vihear, Siem Reap, Kampong Thom), 24 districts, 124 farmer organizations (104 ACs/Associations/Groups, 14 CPAs, 6 CFs).:
Outcome 1 - Climate foresight - ensures that smallholder farmers and other local value chain actors have a solid understanding of climate-related risks and mitigation strategies. The PEARL project will introduce state-of-the-art technologies to provide crop-specific agrometeorological forecasting, warnings, and related farm management and market advisory services to improve local capacity to identify and respond to risks associated with weather and climatic conditions.
Outcome 2 - Market incentives - will bridge the current capacity and resource gaps faced by smallholder farmers and other small-scale local value chain actors in the target areas to adopt alternative practices for climate-resilient and high-value agricultural production and processing.
Outcome 3 - Enabling Environment - strengthens the necessary regulatory and institutional frameworks and capacities for climate-resilient agricultural certification, cross-sectoral coordination for increased Public Social and Private Partnerships and smallholder financing, and climate-informed investment support to ensure the successful delivery of Outcomes 1 and 2.
- Technical support for rural financial inclusion:
- Map, assess and engage with relevant financial service providers (e.g., MFIs, banks, insurance companies) with rural outreach capacity for potential partnerships and maintain a database of service providers, products and services.
- Support the design and implementation of inclusive financial access and insurance approaches that enable smallholder farmers, FOs, and agribusinesses to adopt climate-resilient technologies and practices.
- Assess financial capacity and investment readiness of target farmer organizations under the FARM mechanism.
- Review and strengthen the financial structure and co-financing proposals in the business plans submitted by farmer organizations.
- Contribute to the support to agro-insurance development provided by the project.
- Identify value chain financing existing in the target value chains and provide approaches to support the wider use of value chain finance within the project.
- FARM Mechanism and business plan support:
- Create awareness about the FARM mechanism and provide technical inputs to the FARM financial procedures, including financial eligibility criteria, disbursement governance, and Farmer Organization (FO) contribution model.
- Conduct financial reviews of business plans submitted under the FARM mechanism from a banking perspective, ensuring feasibility, investment logic and cost-efficiency.
- Collaborate with service providers and provincial teams to improve financial documentation of FOs, improving financial projections, budgeting and loan-readiness documentation in FO plans.
- Contribute to FARM –related knowledge products and internal guidance notes on financial performance, leverage and lessons learned.
- Stakeholder engagement and institutional coordination:
- Facilitate dialogue between selected FOs and financial institutions for business plan financing and co-investment.
- Identify key barriers to agricultural finance for the partner FOs in the project and propose strategies to support the FOs to successfully connect to finance providers.
- Support the implementation of tailored financial products (e.g., seasonal loans, equipment finance, leasing, insurance) and delivery models with selected financial service providers.
- Capacity building and policy engagement:
- Develop and deliver financial literacy and basic financial management training to FOs and other stakeholders like private sector, extension officers, with attention to gender inclusion and adaptation relevance.
- Build the capacity of subnational agencies, extension service providers and project partners to provide basic advisory services on rural finance access and co-financing processes.
- Provide technical inputs to multi-stakeholder platforms, unions and technical working groups on incentives for agricultural finance, including links to certifications, agro-insurance, and climate-aligned lending.
- Liaise with MAFF, ARDB, MoE, MoC, and other partners to promote climate-sensitive financial products to be integrated into broader institutional and policy frameworks.
- Perform any other relevant tasks as assigned.
- Coordination and reporting:
- Work in close collaboration with the PEARL Project Management Unit (PMU), MoE, PDoE, and other relevant provincial departments (e.g., PDAFF, PDoE).
- Coordinate with other development partners and NGOs.
- Contribute to the project's monitoring and evaluation framework by providing regular progress updates and impact assessments related to market access and livelihood improvements for CPAs.
- Prepare all relevant data and documents for the meeting including progress report, presentation on the progress, challenges, lessons learned, work plan, etc.
- Environmental and Social Safeguards (ESS): Ensure all activities comply with project safeguards frameworks, conduct Environmental and Social Screening Checklists, and develop/update Site-specific Environmental and Social Management Plans (ESMPs) for all targeted communities and interventions.
- Gender Equality and Social Inclusion (GESI): Apply gender and social analysis to all activities, ensuring equitable participation and benefit distribution among women, men, youth, indigenous peoples, and other vulnerable groups, with at least 50% of direct beneficiaries being women.
- Monitoring and Evaluation (M&E): Collect, verify and report quantitative and qualitative data for assigned indicators, document case studies and lessons learned, and contribute to adaptive management based on monitoring findings.
- Communications: Develop clear communication materials in appropriate languages, document best practices, support visibility activities, and establish effective communication channels with communities, government counterparts, and partners.
- Key Deliverables
- work with the access to finance expert from the FAO PEARL side to develop the training materials. (financial literacy, basic financial management, loan readiness, climate risk and insurance basics) with trainer guide, handouts, exercises, pre/posttest, attendance and reporting templates in cooperation with Access to Finance technical specialist of PEARL project.
- Deliver trainings for 14 CPAs, targeting 200 members per CPA (total 2,800 participants), with minimum 50% women and full training documentation (agenda, attendance, photos, pre/post results).
- Conduct 14 CPA finance readiness assessments and prepare/update 14 bankable business plan finance annexes (simple projections, co-financing plan, repayment plan, risk notes).
- Produce and maintain a mapping database of relevant banks, MFIs, and insurers, including product terms and contact points, and deliver 14 CPA product briefings with simple handouts.
- Engage and document partnership arrangements with at least 3 banks and develop/adapt at least 2 CPA-fit product concepts/term sheets (e.g., seasonal loan, equipment finance/leasing, enterprise loan, insurance).
- Support at least 5 CPAs to prepare and submit complete loan application or agro-insurance packages and achieve at least 10 CPAs obtaining loans or insurance packages.
- Apply safeguards and inclusion requirements to all activities (ESS screening and ESMP linkage where relevant, 50% women participation tracked), maintain an indicator tracker and quarterly updates, and produce at least 4 short case studies/technical briefs on CPA climate finance lessons and results.
- Bachelor's Degree in Finance, Economics, Agricultural Economics, Agribusiness, or Rural Development and/or relevant fields.
- Proven experience in rural financial inclusion and agricultural finance, agro-insurance including implementation of inclusive financial access initiatives targeting smallholder farmers, cooperatives, and agribusiness interventions.
- Experience with value chain finance and climate-aligned financial products, such as seasonal working capital, input credit, equipment finance, and agro-insurance.
- Strong background in assessing financial capacity and investment readiness of farmer organizations, including reviewing business plans, co-financing proposals, and improving financial documentation for loan-readiness.
- Proven experience engaging and coordinating with financial service providers (banks, MFIs, insurance companies) and facilitating partnership discussions for farmer organizations or agribusinesses.
- Experience in delivering financial literacy and basic financial management training to farmer organizations and local stakeholders, with attention to inclusion of women and vulnerable groups.
- Experience working with government counterparts and donor-funded projects, including coordination with national and subnational agencies.
- Strong skills in data analysis and reporting, including solid use of MS Excel for financial analysis and templates.
- Experience supporting or designing agricultural insurance (index insurance, crop/livestock insurance, bundled products) and/or risk financing approaches.
- Familiarity with ARDB and rural finance ecosystem in Cambodia, and practical understanding of credit processes for agriculture.
- Good documentation and reporting skills.
- Excellent verbal and written communication skills in Khmer and good knowledge of English.
- A highly organized person sets priorities, produces quality outputs, meets deadlines, and manages time efficiently.
- Excellent interpersonal skills e.g. effectively coordinate with farmer leaders, management committees, local authorities, and community people.
- Shares knowledge and is willing to provide support to others who request advice or help.
- Works toward creative solutions by analyzing problems carefully and logically; and
- Maintains professional relationships with supervisors, co-workers, and stakeholders.
The consultant will be selected in accordance with the Individual Consultant Selection (ICS) method set out with the Royal Government of Cambodia (RGC)’s Updated Standard Operating procedures (SOP) and Procurement Manual for externally financed project/programs (PM), promulgated through Sub-decree 181, dated December 2019.
In submitting their expressions of interest/application, the interested candidates are kindly requested to provide their updated curriculum vitae, indicating their personal and technical skills, academic qualifications, and experience in similar assignments, along with the details of at least three referees with contact information (email address, telephone or fax numbers).
Expression of Interest/application must be submitted to the address below by email or hard copy, no later than the closing date.
Only short-listed candidates will be notified for interview. Incomplete applications will not be considered and application received after the closing date will not be accepted.
There is no fee charge at any stage of the recruitment process.
Thanks, From Khmer Online Jobs Team
| Organization : | Public-Social-Private Partnerships for Ecologically-Sound Agriculture and Resilient Livelihood |
| Email : | pearlmoe2025@gmail.com sanbrsoeur168@gmail.com seihakneath@gmail.com |
| Address : | No.54B/49F, Street. 395-656, Sangkat Tuek L'ak Ti Bei, Khan Tuol Kouk, Phnom Penh, Cambodia |
