[Hiring] National Consultant: Project Advisor 4Ps Risk Sharing Instrument Pilot Design @AGORA

Role Description

The purpose of this assignment is to design a pilot risk sharing instrument / micro-insurance for 4Ps beneficiaries in selected areas in Cebu City and Lapu-Lapu City, to include in the package of interventions for exiting program beneficiaries.

The Philippines is highly exposed to climate-related shocks, with recurring typhoons, flooding, heat stress, health emergencies, and other hazards affecting household income, food security, access to education, health-seeking behaviour, and overall child well-being. For poor and near-poor families, including households transitioning from or graduating from the Pantawid Pamilyang Pilipino Program (4Ps), these shocks can quickly erode development gains and increase the risk of falling back into poverty. The 4Ps is the Philippines flagship social protection and poverty reduction program covering 3.5 million poor and vulnerable families.

UNICEF, together with the Department of Social Welfare and Development Field Office VII (DSWD FO VII), Cebu City Government, and Lapu-Lapu City Government, is designing a proof of concept to strengthen the resilience of selected 4Ps households through risk transfer and risk-sharing mechanisms. The initiative seeks to complement existing social protection measures by exploring inclusive and child-responsive insurance solutions that are affordable, accessible, understandable, and operationally feasible for low-income households.

The proof of concept is anchored on the broader objective of shifting from risk retention to risk sharing by linking social protection systems with appropriate private sector risk-transfer solutions. It builds on the co-creation process with DSWD FO VII, Cebu City, Lapu-Lapu City, UNICEF, cooperatives, and other stakeholders from the insurance industry. The initiative aims to test a practical model that can strengthen household financial resilience, inform local social protection planning, and generate lessons for possible replication or scale-up while contributing to positive outcomes for children.

The purpose of this consultancy is to provide UNICEF, DSWD, LGUs of Cebu City and Lapu-Lapu City with high-level strategic, technical, and operational advice on the design, validation, and early implementation of a risk-sharing instrument for selected 4Ps households in Cebu City and Lapu-Lapu City. The consultant will help translate the programme concept into an implementation-ready model that is aligned with UNICEF’s child-sensitive social protection approach, DSWD’s 4Ps operational systems, local government planning and budgeting processes, and the regulatory, business, and operational requirements of the insurance industry in the Philippines.

Qualifications

• Advanced university degree in insurance, actuarial science, economics, finance, public policy, social protection, development studies, business administration, law or a related field.
• At least ten years of progressively responsible experience in insurance, microinsurance, inclusive finance, risk financing, social protection, disaster risk financing, climate risk management or related fields.
• Demonstrated knowledge of the Philippine insurance industry, including product development, distribution channels, regulatory processes, insurance intermediaries, claims management, consumer protection and market conduct requirements.
• Experience working with or advising insurers, reinsurers, brokers, agents, cooperative insurance societies, mutual benefit associations, cooperatives, regulators or industry associations is strongly preferred.
• Strong understanding of social protection systems, preferably including the 4Ps, local government planning and budgeting processes, and approaches to strengthening resilience among poor and vulnerable households.
• Experience facilitating multi-stakeholder consultations involving government, private sector, civil society and development partners.
• Excellent analytical, writing, facilitation and communication skills, with ability to translate technical insurance concepts into practical guidance for non-insurance stakeholders.

Requirements

• English language proficiency.

Benefits

• Diverse opportunities for professional and personal development.
• Attractive compensation and benefits package.

Company Description

UNICEF works in over 190 countries and territories to save children’s lives, defend their rights, and help them fulfill their potential, from early childhood through adolescence.

UNICEF is a place where careers are built. We welcome everyone who wants to belong and grow in a diverse and passionate culture.