For Oxfam Pilipinas

Philippine Nationals Only

Oxfam is a global movement of people working together to end the injustice of poverty.

About Oxfam Pilipinas

We seek lasting change. We at Oxfam Pilipinas dream and work for a future where Filipinos are free from poverty. For more than 30 years, serving in a country where close to 27 million now live in poverty, we have relied on the power of people to carry out programs designed to achieve our shared vision. Central to our strategy is working with partners to transform the unequal power relations, structures, norms, and values that cause poverty and inequality, including gender-based violence and injustice. 

We strive to apply a feminist lens to all our analyses and actions. We seek to save lives, provide access to services, and reduce the impact of disasters, particularly on the most vulnerable and disadvantaged. We belong to the larger Oxfam family of over 20 organizations networked with partners and grassroots communities in all corners of the globe. We are part of a global movement for genuine change, seeking to rid the world of the scourge of poverty, with gender justice at the core of what we do.

Background

The Philippines remains to be the world’s topmost disaster-prone countries for 17 years, with climate-related shocks such as typhoons, floods, and droughts disproportionately affecting low-income households and micro- and small enterprises. These recurring shocks continue to strain humanitarian systems and public resources, reinforcing cycles of vulnerability and recovery dependence.

Initial evidence from Oxfam’s Anticipatory Action demonstrates that strategic investments in disaster preparedness and pre-emptive financing can reduce recovery costs, enable affected populations to resume income-generating activities faster, and strengthen resilience to future shocks. Recognizing the critical role of financial institutions in humanitarian crises, Oxfam a scoping study titled “Building Elements of Sustainable Disaster Risk Financing Strategy.” The study examined the feasibility of pre-emptive financial services based on parametric forecasting and risk modeling technologies, drawing on strong interest among financial institutions in pre-emptive and disaster-preparedness-oriented financial services. Study results reveal the following critical conditions for sustainability and uptake of anticipatory financing:

• Accuracy and reliability of weather and hazard indices,
• Geographic availability of index data,
• Price affordability and user demand,
• Client financial literacy levels, and
• Availability of funding and risk-sharing mechanisms.

Financial institutions emphasized that grants, subsidized funding, credit risk-sharing arrangements, technical support for product design, staff training, and financial literacy and disaster preparedness support for clients are essential to scale sustainable disaster risk financing solutions.

Building on this evidence, Oxfam Pilipinas is now exploring shock responsive parametric insurance solutions as part of a broader Disaster Risk Financing (DRF) strategy that aims to protect and reduce economic shocks on vulnerable livelihoods of farmers, fishers, informal sector, MSMEs and of other vulnerable sectors. This includes assessing the feasibility of developing an insurance product for households and small businesses, either through partnerships with insurers or through the establishment or management of a Mutual Benefit Association (MBA) model.

Scope of Work

DRF Scoping Study Lead will undertake the following:

A. Market and Ecosystem Scoping

1. Review of existing Evidence and Lessons learned from Oxfam multiple AA projects implementation, and Building Elements of Sustainable Disaster Risk Financing Strategy study and identify key success factors, gaps, and unresolved feasibility questions.

2. Identify key roles and incentives of key stakeholders in the Philippine disaster risk and inclusive insurance ecosystem, including:

• Parametric and index-based insurance initiatives
• Microinsurance and climate finance products
• Government agencies such as Insurance Commission, PCIS, GSIS, Insurers, reinsurers, brokers, MBAs, cooperatives, MFIs, banks, and development actors.

B. Feasibility Assessment

1. Business, Funding, and Partnership Models

• Analyze and compare institutional options:
  • Partnership with insurers/reinsurers
  • Oxfam as facilitator or aggregator
  • Establishment or management of an MBA
• Assess funding requirements, including:
  • Grants and premium subsidies
  • Credit risk-sharing mechanisms
  • Technical assistance needs

2. Regulatory and Institutional Analysis

• Review regulatory requirements for Parametric and microinsurance products

• Consumer protection and disclosure
• Establishment and governance of MBAs

• Identify compliance risks and enabling conditions.

3. Assess suitability of hazard indices based on:

• Accuracy, reliability, and geographic coverage
• Timeliness for anticipatory payouts
• Basis risk and client trust considerations

4. Demand, Affordability, and Uptake

• Assess demand and willingness to pay among households and small businesses.
• Analyze affordability constraints and subsidy needs.
• Review implications of client financial literacy and disaster preparedness levels on product uptake.

C. Recommendations

• Proposed business model based on comparative feasibility assessment using criteria such as:
• Financial sustainability
• Regulatory viability
• Partnership requirements
• Operational requirements for entity setting-up
• Alignment with anticipatory action principles
• Other factors to consider

Period of Engagement : January 2026 – April 2026

Other Responsibilities 

• Adhere to Oxfam’s principles and values as well as the promotion of gender justice and women's rights.
• Perform priority organizational tasks related to his/her competencies as may be assigned from time to time.

Organizational Values:

• Equality -  We believe everyone has the right to be treated fairly and to have the same rights and opportunities.

• Empowerment - We acknowledge and seek to expand people’s agency over their lives and the decisions that impact them.

• Solidarity -  We join hands, support, and collaborate in working towards a just and sustainable world.

• Inclusiveness – We are open to everyone and embrace diversity. We believe everyone has a contribution to make, regardless of visible and invisible differences.

• Accountability – Our purpose-driven, results-focused approach means we take responsibility for our actions and hold ourselves accountable. We believe that others should also be held accountable for their actions

• Courage - We speak truth to power and act with conviction on the justice of our causes

Our values and commitment to safeguarding

Oxfam is committed to preventing any type of unwanted behaviour at work including sexual harassment, exploitation and abuse, lack of integrity and financial misconduct; and promoting the welfare of children, young people and adults. Oxfam expects all staff and volunteers to share this commitment through our code of conduct. We place a high priority on ensuring that only those who share and demonstrate our values are recruited to work for us.

How to apply

To apply, please submit the following documents in a single file to ophrecruitment@oxfam.org.ph using the.

1.    Up-to-date Curriculum Vitae.  If the consultant is submitting an application in behalf of an organization, a profile of the organization showing their suitability and a letter from the organization’s Director authorizing the applicant to submit a bid in behalf of the organization. 
2.    Expression of Interest letter (1-2 pages maximum) which describes the consultant’s relevant experience and expertise, as well as detailed proposal for the scope of work and indicative timeline and budget for the assignment.

Please use the email subject format: Position Applied For - Surname, First Name.

Note: All offers of consultancy will be subject to satisfactory references and appropriate screening checks, which can include criminal records and terrorism finance checks.

A thriving diverse Oxfam:

It’s people power that brings about change. To play our part as a global organisation working to overcome poverty and inequality, we need equality, diversity and inclusion across our community of staff, partners and volunteers. Together, we’re committed to becoming a more diverse workforce, better able to tackle the global challenges that face our world today.

To do that:

• We need to dismantle the unequal power structures that exist everywhere, this including Oxfam and the wider development and charity sectors.
• We need an inclusive Oxfam where everyone can bring who they are to our work and feels celebrated for the differences they bring.
• We want and need everyone, and that means we need you.