Consultancy.
Consultancy Opportunity: Climate Finance & digital services Consultant – Implementation of Financial Inclusion Roadmap for Smallholder Farmers in Mozambique
Deadline to apply: 1 March 2026 11.59 PM CET
Duration: March – 31 December 2026 (approx. 10-month engagement)
Location: Nampula & Maputo, Mozambique (office-based with travel)
About NORCAP
NORCAP is the Norwegian Refugee Council’s global expert deployment mechanism. We work to protect and empower people affected by crises and climate change. NORCAP experts support local, national, and international partners to strengthen systems, build capacity, and improve outcomes for vulnerable communities.
NORCAP is developing climate adaptive approaches as a major thematic area, with a strong focus on private sector engagement and financial solutions that enhance local resilience.
Consultancy Summary
NORCAP, in partnership with the Royal Norwegian Society for Development (Norges Vel), seeks a national Climate Finance & digital services Consultant to support the implementation of a financial inclusion roadmap designed to improve access to finance for small-scale cashew and groundnut farmers in northern Mozambique.
This consultancy builds on a previous scoping assessment and aims to develop, test, refine, and operationalize tailored financial solutions in collaboration with financial institutions, cooperatives, farmers, and digital platform partners (including the my.coop system).
Objectives of the Assignment
- Re-engaging financial institutions and strengthening relationships for potential partnership
- Mapping and analysing financial products, security/collateral requirements, and farmer needs
- Testing and validating financial solutions directly with small-scale producers and cooperatives
- Developing technical and security frameworks for new lending models
- Planning implementation phases, including SOPs, technical requirements, and M&E frameworks
Scope of Work
Phase 1: Market Assessment & Partnership Initiation
- Map existing financial products and requirements relevant to small-scale farmers
- Engage potential partners (e.g., Futuro Microbank, GAPI FSI)
- Review cooperative assets and possible collateral/security models
- Initiate multistakeholder consultations
Phase 2: Testing & Validation
- Facilitate structured engagement between farmers/cooperatives and financial institutions
- Test feasibility of adapted products and security arrangements
- Document operational constraints and adoption patterns
- Assess and define technical integration needs with the my.coop platform
Phase 3: Framework Development & Planning
- Develop security frameworks incorporating blended or alternative security options
- Create partnership frameworks with interested financial institutions
- Finalise technical requirements for implementation
- Draft a detailed implementation roadmap and SOPs for financial product delivery
Deliverables
- Feasibility assessment for adapted products, security models, and lending requirements
- Initial partnership frameworks with financial institutions
- Technical requirements document for integration with my.coop
- Detailed implementation roadmap for phased roll-out
- Resource requirement overview & recommendations for next project phase
Timeline
- Feasibility Assessment: 30 April 2026
- Partnership Frameworks: 30 June 2026
- Technical Requirements Finalised: 30 August 2026
- Implementation Roadmap: 31 December 2026
Required Qualifications
- Minimum 7 years of professional experience in climate finance, agricultural finance, rural credit systems, or digital financial services
- Experience working with smallholder farmers / cooperatives
- Understanding of financial product development and risk mitigation
- Experience with feasibility assessments
- Strong facilitation and stakeholder engagement skills
- Familiarity with Mozambique’s agricultural and financial sector
- Fluency in Portuguese and working proficiency in English
Salary Range
The salary range for this consultancy is competitive and commensurate with experience.
- Salary range: Maximum USD 340 per day.
How to Apply
Submit the following to norcap.bids@nrc.no with subject line: Climate Finance & Digitalisation Consultancy – Mozambique
- Cover letter including motivation and initial approach
- CV or LinkedIn profile
- Two samples of previous relevant work
- Daily consultancy rate (inclusive of all taxes)
- Proof of registration as a consultant or company
Full Terms of Reference will be provided upon request or during tender process.