Individual Consultant –Technical Expert – Financial Inclusion

Location : Bangalore, Karnataka, INDIA
Application Deadline :12-Dec-22 (Midnight New York, USA)
Type of Contract :Individual Contract
Post Level :National Consultant
Languages Required :
Duration of Initial Contract :8 Months

UNDP is committed to achieving workforce diversity in terms of gender, nationality and culture. Individuals from minority groups, indigenous groups and persons with disabilities are equally encouraged to apply. All applications will be treated with the strictest confidence.

UNDP does not tolerate sexual exploitation and abuse, any kind of harassment, including sexual harassment, and discrimination. All selected candidates will, therefore, undergo rigorous reference and background checks.


UNDP strives to have a workforce, which reflects diversity and gender balance, and applies an equal opportunities approach. UNDP does not solicit or screen for information in respect of HIV or AIDS status. All selections are on merit.

The DAY-NRLM (Deendayal Antyodaya Yojana - National Rural Livelihoods Mission) is the flagship program of Ministry of Rural Development, Govt. of India relaunched in 2016 for promoting poverty reduction by building strong institutions of the poor, particularly women. The programme creates and enables community owned institutions of women to empower and make them economically self-reliant by improving their agency to access a range of livelihood and financial services and maximize their resources for creating sustainable livelihood opportunities. 

The state governments are mandated to set up dedicated Mission Management Units at the state, district and village/community level for the effective implementation of the NRLM scheme.  The mission provides regular hand-holding support to SHG/federations for a period of 5-7 years.  At the end of a fully implementation cycle the SHGs/federations are well prepared to become resource institutions at the community level for providing evidence and support to other social initiatives. 

Karnataka State Rural Livelihood Promotion Society (KSRLPS)

The State Government is implementing DAY-NRLM scheme in phases through Karnataka State Rural Livelihood Promotion Society in the name of “Sanjeevini”. The mission statement of KSRLPS is: “To reduce rural poverty by providing gainful wage and self-employment opportunities through community institutions resulting in sustainable improvement in their livelihoods”.

Sanjeevini is a community driven and process-oriented programme. The processes include different activities such as awareness building, social mobilization, development of Community Resource persons (CRPs). Formation of CBOs, strengthening SHGs/ CBOs/federations/Livelihood Collectives, establishment of linkages and promotion of livelihoods. The conventional methods of monitoring focus on physical, financial and logistic aspects of projects, but do not capture the processes of community perception, satisfaction with project services, inclusion and institutional dynamics. As the community processes do not conform to pre-set rules, deadlines, targets or blueprint approaches, a responsive and adaptive implementation is necessary.

It is in this context that the State government of Karnataka has partnered with UNDP to implement The National Rural Economic Transformation Project (NRETP) in Karnataka. NRETP proposes to implement higher order economic activities which are cross cutting in nature, for instance, the project design envisages that there will be an organic link between the model Cluster Level Federation (CLFs) and financial inclusion strategies, insurance and pension schemes, producer groups and organizations, product marketing and enterprise development. The financial inclusion strategy will also have a key role in financing of farm and non-farm enterprises. UNDP will be uniquely positioned to quickly transfer the technical know-how gained at the national and state level working across the country.  The state SMMU will be fully synchronized with the National level team working at the center, important for better alignment of state priorities with those of the national program while formulating the State specific poverty reduction action plans.

Under the scheme, UNDP is looking for a Technical Expert_ Financial Inclusion to undertake the activities as provided below. The incumbent will be based at KSRLPS and will perform duties under the direct supervision of MD, KSRLPS, Government of Karnataka.

Duties and Responsibilities

Under the supervision of the Mission Director or any Other Official designated by MD the incumbent will focus on achievement of the following results:

  • Prepare annual action plan for financial inclusion.
  • Design a strategic Financial inclusion plan detailing approach to reach saturation.
  • Adopt a sector-wide approach with a view toward building an inclusive financial sector.
  • Generate business-like partnerships with partner organizations and financial institutions.
  • Support Financial Service Providers (FSPs) capable of delivering well-tailored services to beneficiaries.
  • Build expertise within Sanjeevini KSRLPS on good-practice in financial inclusion strategies, operations, policies, and regulations (as and when appropriate).
  • Responsible for providing strategic direction to the development of an inclusive financial sector, s/he will manage day-to-day implementation of the specific programme activities in line with his/her approved annual results targets/work plans to achieve the results specified in the programme document.
  • Any other task assigned by reporting officer.

Deliverables & Payment Schedules:

Payment %

Deliverable target dates

  • Submission of report highlighting,
  • Understanding of Sanjeevini
  • Interaction with all thematic areas to understand projects and initiatives, field visits to understand CBOs.
  • Finalization of KPI in discussion with reporting manager and approval.
  • Report on Sanjeevini activities based on primary understanding.
    • Understanding and analyzing of projects implemented by Sanjeevini.
  • Ensure monthly KPIs achievement
  • Any other task assigned by reporting officer.






Month 1

  • Submission of report highlighting.
  • Preparing the implementation action plan as per the project / Annual Action Plan. 
  • Get approval from the supervisor at Sanjeevini.
  • Support in mainstreaming of insurance and pension initiatives
  • Submit 1 report on the annual action plan.
  • Any other task assigned by reporting officer.


Month 2

  • Submission of report highlighting,
  • Customize modules and protocols shared by NMMU and if required develop state specific modules and materials
  • Submit 1 report on customized modules and action plan to disseminate modules.
  • Guide and support the team at block and district level for effective implementation of the program activities.
  • Ensure monthly KPIs achievement


Month 3

  • Submission of report highlighting,
  • Develop pool of community cadre/master trainers-training, deployment and management
  • Submit 1 report on the plan for creation and capacity building, deployment of community cadre/master trainers,  protocols and policies.
  • Ensure monthly KPIs achievement


Month 4

  • Submission of report highlighting,
  • Mentor/monitor/guide staff at state, district and block team to ensure effective rollout of the activities and information related to financial inclusion.
  • Capacity Building of state, district, block and field teams, Community Cadres and Community Institutions.
  • Submit 1 report on awareness and capacity building conducted and way forward
  • Ensure monthly KPIs achievement


Month 5

  • Submission of report highlighting,
  • Half yearly report in form of compilation of best practices.
  • Collection of data for the past 6 months about the progress of the project.
  • Preparation, analysis and submission of MIS and reports to state and NMMU
  • Submitting the data to the MIS team for monitoring & evaluation and communication material and report capturing past 6 months work.  .
  • Ensure monthly KPIs achievement


Month 6

  • Submission of report highlighting,
  • Facilitate planning, managing and budgeting at various levels.
  • With support of Technical Expert - CB, develop pool of community master trainers/ Resource Persons at state, District and block level and CLF level and regularly coordinating and monitoring their performance.
  • Provide support in programme, systems, data and fund management activities in the state
  • Submit 1 report on with recommendations to improve current systems..
  • Submit at least 1 report on the monitoring mechanism.
  • Ensure monthly KPIs achievement




Month 7

  • Submission of report highlighting.
  • Represent at different forums and liaison with different line departments and NMMU related to the mission activities and reports.
  • Prepare and share templates and communication material for partner engagement. Plan, design and conduct capacity building activities for members of SHG federations, CBO staff and community cadre
  • Submit 1 report on the advisories and guidelines developed.
  • Submission of final report/compilation.
  • Collection of data for the past 8 months about the progress of the project.
  • Submitting the data to MIS team for monitoring and evaluation.




Month 8



  • Has specialist knowledge in the area of financial inclusion.
  • Seeks and applies knowledge, information, and best practices.
  • Ability to lead strategic planning, change processes.
  • Builds strong relationships with stakeholders, focuses on impact and result of the program activities and responds positively to feedback
  • Cross-cultural communications, including English proficiency and ability to work in a bilingual environment (English and Kannada). Excellent verbal and writing skills in English and Kannada. 
  • Ability to communicate insights and knowledge across various teams and stakeholders.
  • Should be interested to work with the rural poor to create a more inclusive society.
  • Demonstrates ability to conceptualize issues and express ideas in a concise manner;
  • Demonstrates effective written and oral communications skills;
  • Excellent analytical skills in political and development matters;
  • Capacity to gather comprehensive information on complex problems or situations and evaluate   information accurately to meet the requirements of situational reports, briefs, speeches, etc.;
  • Willing to travel extensively in the field for 10-15 days a month.

Required Skills and Experience

Post Graduation in Finance, Business administration or other relevant Master’s degree.


  • At least 3+ years of experience (after post graduation) of working in a financial inclusion program design and implementation at management level, experience with collectives or Producer Companies adds value.
  • Experience of working in financial inclusion campaigns, designing training content and reports at organizational level in a multi stakeholder environment.
  • Demonstrable experience handling organizational level communications and outreach assignments
  • Should have managerial experience leading a team of at least 2-3 members.

Languages Required

Fluency in English and Kannada– spoken, read and write for all official communication is essential.

Duration of The Work:

The contract will be awarded for one year initially. Working days will be as per the State Government/KSRLPS policy.

Official Travel:

In case of official journey within/outside the state, candidates will be entitled to reimbursement from KSRLPS. All official travel must be authorized and certified in advance by KSRLPS. 


Consolidated annual consultancy fees (Remuneration) of INR 5,60,000/- payable as per the deliverables and payments schedule mention above, upon submission of working progress report certified by the reporting officer.


  • Contract will be administered by UNDP on behalf of the KSRLPS, Government of Karnataka.
  • The consultant should report to the Mission Director, KSRLPS, or any other official as directed by MD, Sanjeevini KSRLPS Government of Karnataka.
  • All the logistic support related official travel will be borne by the KSRLPS, Government of Karnataka.
  • Consultant will be entitled for 2 days leave per month (non cashable) Consultant will be entitled for 2 days leave per month (non cashable). The accumulated leaves will be forfeited on the termination/further extension of the contract period. 

Documentation Required:

Personal CV indicating all past experiences from similar projects, as well as the contact details (email and telephone number) of the candidate and at least 3 professional references.

Evaluation Method and criteria:

Preliminary shortlisting would be done based on the following criteria:

  • Educational Qualification 30 marks.
  • Relevant Experience 40 marks.
  • Interview for 30 marks

Those who obtain a minimum 70% of total 70 marks (Educational Qualification & Relevant Experience) will be eligible to appear for the interview. 

Interview for the shortlisted candidates would be either conducted face to face in Bangalore or by telephone/over skype.

The contract shall be awarded on the merit basis.

Note: Please ensure that all the documents to be uploaded should be combined in a single PDF file before uploading as the system has provision of uploading only one document.

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