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.

At UNICEF, we are committed, passionate, and proud of what we do for as long as we are needed. Promoting the rights of every child is not just a job – it is a calling.

UNICEF is a place where careers are built. We offer our staff diverse opportunities for professional and personal development that will help them reinforce a sense of purpose while serving children and communities across the world. We welcome everyone who wants to belong and grow in a diverse and passionate culture, coupled with an attractive compensation and benefits package.

Visit our website to learn more about what we do at UNICEF.

For every child, the right to safety

How can you make a difference?

The purpose of this assignment is to design a pilot risk sharing instrument / micro-nsurance for 4Ps beneficiaries in selected areas in Cebu City and LapuLapu 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, 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.

If you would like to know more about this consultancy, please review the complete Terms of Reference here: National Consultant for Project Advisor 4Ps Risk Sharing Instrument Pilot Design.pdf

To qualify as an advocate for every child you will have...

Minimum requirements: |(Qualifications/Experience/ Knowledge/Expertise/Skills)

Education: Advanced university degree in insurance, actuarial science, economics, finance, public policy, social protection, development studies, business administration, law or a related field
Work Experience: 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.
Language Requirements: English
Knowledge/Expertise/Skills:
- 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
Desirables:
- 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

For every Child, you demonstrate...

UNICEF’s Core Values of Care, Respect, Integrity, Trust and Accountability and Sustainability (CRITAS) underpin everything we do and how we do it. Get acquainted with Our Values Charter: UNICEF Values

UNICEF promotes and advocates for the protection of the rights of every child, everywhere, in everything it does and is mandated to support the realization of the rights of every child, including those most disadvantaged, and our global workforce must reflect the diversity of those children. The UNICEF family is committed to include everyone, irrespective of their race/ethnicity, disability, gender identity, sexual orientation, religion, nationality, socio-economic background, minority, or any other status.

UNICEF encourages applications from all qualified candidates, regardless of gender, nationality, religious or ethnic backgrounds, and from people with disabilities, including neurodivergence. We offer reasonable accommodation for persons with disabilities. throughout the recruitment process. If you require any accommodation, please submit your request through the accessibility email button on the UNICEF Careers webpage Accessibility | UNICEF. Should you be shortlisted, please get in touch with the recruiter directly to share further details, enabling us to make the necessary arrangements in advance.

UNICEF does not hire candidates who are married to children (persons under 18). UNICEF has a zero-tolerance policy on conduct that is incompatible with the aims and objectives of the United Nations and UNICEF, including sexual exploitation and abuse, sexual harassment, abuse of authority and discrimination based on gender, nationality, age, race, sexual orientation, religious or ethnic background or disabilities. UNICEF is committed to promote the protection and safeguarding of all children. All selected candidates will, therefore, undergo rigorous reference and background checks, and will be expected to adhere to these standards and principles. Background checks will include the verification of academic credential(s) and employment history. Selected candidates may be required to provide additional information to conduct a background check, and selected candidates with disabilities may be requested to submit supporting documentation in relation to their disability confidentially.

Qualified candidates are invited to submit the following documents via the online recruitment portal, TMS (Talent Management System):

An up-to-date TMS profile and curriculum vitae (CV)
Cover letter
A separate financial proposal (only acceptable in the format of the linked template) Financial proposal National Consultant Project Advisor 4Ps Risk Sharing Instrument Pilot Design.docx

Remarks: If the TOR or financial proposal documents are not downloadable on certain recruitment platforms, please visit our official page Vacancies | UNICEF Careers.

UNICEF does not charge a processing fee at any stage of its recruitment, selection, and hiring processes (i.e., application stage, interview stage, validation stage, or appointment and training). UNICEF will not ask for applicants’ bank account information.

All UNICEF positions are advertised, and only shortlisted candidates will be contacted and advance to the next stage of the selection process.

Additional information about working for UNICEF can be found here.

National Consultant: Project Advisor 4Ps Risk Sharing Instrument Pilot Design (remote with travel for 7 months)