TCIS Affordable Housing Finance Consultant

Habitat for Humanity International; Pacific (MO); Remote; USD 35,000; Full time

Job summary

An international nonprofit organization is seeking a consultant to develop a strategic housing finance plan, facilitate partnerships in Indonesia, and identify digital finance opportunities to improve access for low-income households. The role requires proven experience in financial inclusion, housing finance, and project management, along with strong analytical and communication skills. Fluency in English and Bahasa Indonesia is essential.

Qualifications

• Proven experience in financial inclusion, housing finance, or microfinance.
• Demonstrated ability in project management and capacity building.
• Strong research and analytical skills.

Responsibilities

• Develop a strategic housing finance plan for Indonesia.
• Facilitate onboarding of financial sector partners.
• Identify opportunities in green finance and digital solutions.

Skills

Financial inclusion

Housing finance

Microfinance

Project management

Research and analytical skills

Communication skills

Fluency in English

Fluency in Bahasa Indonesia

Job description

Overview

Indonesia’s combination of quantitative housing shortages, poor housing quality, affordability barriers, urbanization pressures, and disaster risk highlights the urgent need for systemic solutions to the housing crisis. Current estimates indicate that 12.7 million households remain without homes, with 22 million households living in substandard conditions. The affordability gap is significant; only the top 20% of Indonesian households can afford housing in the formal market, the middle 40% cannot without government subsidy, and the bottom 40% have minimal capacity to save or access housing. Almost 70 percent of low-income housing is self-built or informal. Financial system constraints limit formal housing finance. Rapid urbanization and disaster exposure add to these pressures. The Terwilliger Center for Innovation in Shelter (TCIS) proposes to use the consultant’s services to provide advisory services to financial institutions in Indonesia with the aim of increasing access to affordable housing finance for low-income households and MSMEs operating in the housing value chain.

• Develop a strategic housing finance plan for Indonesia that prioritizes affordable, inclusive, and resilient housing solutions.
• Facilitate the onboarding of financial sector partners through direct engagement with MFIs, cooperatives, and housing finance providers, and through partnerships with associations and umbrella organizations. Onboarding includes identification, institutional assessment, development of housing loan products, staff capacity building, pilot testing, and product launch.
• Identify scalable opportunities in green finance to promote climate-smart, energy-efficient, and disaster-resilient housing products and services for low- and middle-income households.
• Map opportunities for integrating digital financial solutions into housing finance products to expand outreach, improve affordability, and enhance client experience.
• Outline pathways for unlocking government housing subsidies, focusing on enabling access for informal and low-income households excluded from formal mortgage markets.
• Embed cross-cutting themes of gender equity and climate resilience throughout the analysis and recommendations to expand financial access and strengthen long-term resilience of housing markets.

Scope of Work

The Consultant will undertake activities organized under three core workstreams, with cross-cutting priorities of gender equity, green finance, and subsidy pathways.

• A. Indonesia Housing Finance Plan
  • Conduct market research and stakeholder consultations to assess:
    • Demand for housing microfinance products (loan sizes, terms, purposes).
    • Supply-side readiness among MFIs, cooperatives, and other affordable housing finance institutions.
    • Policy, regulatory, and market enablers and constraints, with a focus on subsidy access for informal and low-income households.
• Identify high-potential geographic and demographic target segments.
• Develop a 3-year strategic housing finance plan that includes:
  • Product development and refinement opportunities (secured and unsecured loans).
  • Integration of green finance mechanisms to promote energy-efficient, climate-smart, and disaster-resilient housing solutions.
  • Identify and propose solutions to key barriers such as tenure security, subsidy access, affordability gaps, and regulatory constraints that limit low-income households’ access to housing finance.
  • Partnership approaches with financial and non-financial actors (e.g., sustainable construction materials manufacturers or distributors in the housing value chain).

B. Partner Onboarding – building on TCIS experience in Indonesia of working with FIs to promote affordable housing, the consultant shall facilitate partnerships through:

• Direct Engagement:
  • Identify and engage MFIs, cooperatives, and housing finance providers for adoption or scaling of housing finance products.
  • Conduct institutional assessments on management commitment to affordable housing finance, interest in providing end-beneficiaries non-financial services (construction literacy) for energy-efficient, resilient housing; portfolio quality measures; governance.
  • Facilitate product concept workshops; needs assessment for staff capacity building; feasibility discussions to support pilot testing and product launch.
• Association Collaboration:
  • Work with umbrella bodies (e.g., rural bank associations, cooperative federations) to promote housing finance concepts.
  • Co-develop capacity-building and technical assistance plans and consumer education for promoting resilient, energy-efficient, and sustainable housing.
• Aim to onboard at least two FIs with a housing portfolio of at least US$200,000 and a partnership with at least one FI association.
• Pipeline of FIs for future onboarding

C. Digital Finance and other Opportunity Mapping

• Assess current and emerging digital finance solutions relevant to housing finance, including mobile money, agent networks, and fintech lending platforms.
• Identify potential technology and payment partners to enable digital loan disbursement, repayment, and client engagement.
• Map integration points between FIs and digital platforms.
• Develop a phased roadmap for digital housing finance adoption, embedding considerations for women clients and rural outreach.

Deliverables will be produced based on timelines discussed with the hiring manager and will be approved before payment processing.

Process

Services are to be provided based on market research and the TCIS product development methodology outlined in the “Housing Microfinance Product Development – Handbook” of the Terwilliger Center for Innovation in Shelter.

Location and Duration

The consultant (individual or firm) must be based in Indonesia. The contract duration is 12 months.

Fees

Total contract fee of US$35,000, with travel expenses reimbursed on actuals as per HFHI travel policy.

Qualifications

• Proven experience in financial inclusion, housing finance, or microfinance, with a track record in engaging financial institutions on product development, institutional assessments, and portfolio growth.
• Demonstrated ability in project management, facilitation, and capacity building, including staff training and institutional strengthening.
• Strong research, analytical, and communication skills.
• Fluency in English and Bahasa Indonesia.

How to Apply: Submit your proposal via email to Sabha Khawaja, Regional Director, TCIS South-East Asia at [e-mail].

Applicants must also be willing to submit required documents and sign covenant on data privacy, safeguarding, and ethics to comply with the Service Provider Accreditation process of Habitat for Humanity International.

Function

Finance and Accounting, Government Relations, Housing and Shelter, International National Organization, International Programs, Marketing, Operations, Program Management

Auto req ID

10572BR

Position Category

Consultant

Position Type

Consultancy

Geographic Location

Asia & the Pacific

Location

Indonesia