Consultant for Small and Medium Enterprise (SME) and Utility Lending in Tanzania

Category: Consultancy
Location: Tanzania
Effective: June 8, 2022

About and WaterEquity is a global nonprofit organization working to bring water and sanitation to the world. has decades of expertise supporting emerging markets financial institutions (FIs) to develop water and sanitation loan products and portfolios.’s primary focus has traditionally been working with microfinance institutions and banks to expand retail lending to finance household water and sanitation facilities. has a more nascent practice working with banks to support their lending to water and sanitation SMEs and utilities.

WaterEquity is the first asset manager dedicated to mobilizing private sector investments to accelerate universal access to water and sanitation in emerging markets. One of the WaterEquity’s primary investment strategies is investing in Financial Institutions to expand water and sanitation lending to underserved households and businesses. Since 2016, WaterEquity has raised three funds with total investor commitments exceeding $200M and over $150M in loans disbursed to 35 borrowers in nine countries. and WaterEquity work together to align the market building activities of and the investment activities of WaterEquity.

In Tanzania, WaterEquity and are partnering to offer capital alongside technical assistance to FIs to expand lending to water utilities and small and medium enterprises active in supply or delivery of water and sanitation product/services, as well as retail lending to households.

WaterEquity and are seeking a consultant who can provide technical assistance to FIs in Tanzania such as commercial banks, microfinance banks, development banks, mortgage banks, NBFIs, MFIs, Housing Finance Companies etc., to expand their lending to water utilities and SMEs. Such technical assistance will enable investment in the FIs by WaterEquity.

Scope of Services

The Consultant will deliver technical assistance to financial institutions in Tanzania by completing key activities, in coordination with global team members from and WaterEquity.

The expected level of effort is 20 hours per week.

Technical Assistance:

  • The Consultant will manage relationships with at least one partner FI with a potential for more to be added, for example through weekly check-ins, assisting with training sessions, creating tools and materials, etc.
  • The Consultant will provide technical assistance to FI partners for services related to market demand assessments, loan product development, sales and marketing, portfolio monitoring and evaluation, etc.
  • Leveraging existing materials of, the Consultant will develop training materials based on the technical assistance needs of our FI partners.
  • The Consultant will provide performance reports for projects to demonstrate impact as defined by specific project deliverables and provide data/input as needed on the status of projects.

Network and Assist New Partner Development:

  • The Consultant will network with potential FI partners to create a robust list of institutions interested in collaboration with and WaterEquity.
  • The Consultant will present Financial Institution candidates to WaterEquity’s investment management team.
  • The Consultant will develop work plans for technical assistance implementation, in conjunction with the FIs, for new projects that arise.
  • The Consultant will network with potential WSS stakeholders such as utilities, government agencies, Association of Tanzanian Water suppliers (ATAWAS), NGOs, and development finance institutions to identify potential opportunities for collaboration to support SME and utility lending.
Required Qualifications and Experience
  • Bachelor’s degree in business, engineering, economics, international relations, or related field required; relevant Master’s degree preferred but not required
  • Minimum of five years of experience at bank or working directly with banks in Tanzania, such as delivery of consulting or technical assistance
  • Experience in SME or utilities loan product development and scaling, preferably focused on green infrastructure and/or water and sanitation loans
  • Experience in training staff or implementing training programs preferred
  • Familiarity with water and sanitation service delivery market in Tanzania, including landscape of water utilities and SMEs active in the water value chain
  • Exceptional organizational skills, attention to detail, resourcefulness, and ability to multi‐task and adjust to changing priorities
  • Full professional fluency in English (written and verbal)
  • Innovative mind‐set oriented toward constructive problem‐solving and collaboration with stakeholders from various sectors
  • Ability to work in Tanzania

The consultancy assignment will be for a period of 12 months and is expected to start on July 21, 2022. Contract structuring, either based on deliverables or time plus expenses, is flexible based on the consultant’s expertise, availability, and mutual preferences.

Application Information

Consultants interested in this opportunity should submit the following information to [email protected] and include “Consultant: Tanzania” in the subject line:

  • CV or resume
  • Cover Letter describing your previous experience
  • Examples of 2-3 relevant projects completed in the past, with your reference’s contact information for each
  • Availability (for example, provide an estimated number of hours available per month)
  • Daily rate or compensation expectations

WaterEquity and will review information as it is received and will reach out to qualified parties to learn more.

For more information on, please visit

For more information on WaterEquity please visit