Rural Microfinance Specialist - Mozambique
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Short Term Contract
Assignment: Business/Strategic Plan development for a local Rural Microfinance Cooperative.
Microfinanza Srl is an Italian consulting firm that offers professional skills and expertise in the field of rural and urban finance, including financial services to micro, small and medium enterprises, in transitional economies and developing countries.
The services provided include technical assistance, training, research and project cycle management.
The Scope of the assignment:
The Consultant will be expected to undertake a detailed review of the products/services offered by the cooperative and its Information Technology and Management System (ITMS) .
Also, the Consultant will identify areas for improvement by developing an appropriate Business and Strategic Plan, which will contribute to the Cooperative improved profitability and long-term sustainability.
Specific tasks to be performed are:
Analyse the local context and in particular the offer of credit and saving services in the rural areas where the cooperative intends to expand its provision of services;
Analyse the coherence and the opportunity of expansion of the cooperative in rural areas (develop Business and Stratigic Plans for the expansion of the Cooperative);
Analyse possible marketing and penetration strategies, credit processes and risk management measures to be taken (convenience and the level of adaptation of the cooperative current financial products to the rural areas;
Conduct a SWOT analysis in view of the Cooperative expansion plans; the SWOT analysis will identify bottle necks and weaknesses.
Also, it will indicate what the most appropriate tools (technical assistance, specific qualifications, development of a new software, etc.) to mitigate risks and to make more efficient the operative and strategic work of the cooperative are.
Areas of improvement to be identified include but are not limited to: Liquidity management, Interest rate and liquidity risks management, Financial analysis, Efficiency of MIS, Capital structure, Specific provisioning, Pricing policies;
Analyse the organisation and capacity of the Management and Information Technology Department;
Prepare an Action Plan for the Cooperative and a Plan of the required Technical Assistance.
In particular, the Consultant will have to define an Action Plan that will feed a second proposal, successive to the present, that completes the contents and the methodology of the Plan of External TA.
The final report that will include:
A first annex
1. reporting an in-depth analysis on "Marketing and Feasibility of the Products for Rural Markets;
2. presenting the analysis related to the plans of expansion of the Cooperative in the rural areas; and
3. including a SWOT analysis and a work plan with the suggested eventual External Technical Assistance to be provided with;
4. update the Business Plan document of the Cooperative integrating the results of the rural marketing analysis and rural finance product.
A second annex reporting
1. an in-depth analysis on the ITMS of the Cooperative;
2. presenting the analysis of the respective areas, detailed work, and necessary corrective measures to be taken;
3. presenting a work plan with eventual External Technical Assistance to be provided with.
At least 5 years of relevant professional experience in the area of Rural Microfinance, preferably in rural Microfinance Institutions and/or cooperatives;
Advanced degree in finance or banking;
Understanding of regional financial environment and challenges;
Excellent presentation, public speaking and communications skills;
Experience in working in developing markets, experience in Mozambique would be a plus;
Strong knowledge of Portuguese;
Strong knowledge of English.
Send electronic submissions with detailed CV and expected person/days fees to Mr. info [at] microfinanza.it ,
February 20, Milan, Italy 18:00 (GMT)
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