Position: Housing Finance and Market Development Manager (Habitat for Humanity International in Cambodia)__Deadline:23-March

Location:    Phnom Penh

Department name: Programs/TCIS
Reports to Title: Senior Programs Manager
Cross- functional Reporting: Director, Regional Operations TCIS
Job Grade: 9

In line with Habitat for Humanity Cambodia’s housing market development and housing finance strategies, the Housing Finance and Market Development Manager will play a catalytic role in expanding commercially viable and inclusive housing finance solutions for low- and middle-income households. The position will lead the design and execution of a market-driven financial inclusion strategy by structuring partnerships with banks, MFIs, and other financial actors, and by providing strategic technical advisory to develop, pilot, and scale up the housing finance products and services. By de-risking innovation, strengthening product performance, and aligning social impact with institutional incentives, the role will contribute to portfolio growth, improved credit outcomes, and increased private capital mobilization into Cambodia’s affordable housing market.

The position also provides strategic leadership, management, and oversight of programs to expand Habitat’s work with housing finance actors in the country. The position requires working closely with Terwilliger Center for Innovation in Shelter (TCIS) in Asia Pacific region, Program Operations, Resource Development and Communications and other departments of the branch office to ensure Habitat Cambodia plays a convenor role in broadening the impact of housing finance products and services that will benefit the communities, so the incumbent is required exceptional interpersonal and consulting skills.

ROLES AND RESPONSIBILITIES:
Main Tasks:
Housing Finance Innovation – 30%

• Drive Housing Finance Product Innovation: Lead the design, pilot, and scaling of inclusive housing finance products for low- and middle-income families, ensuring market viability and social impact.
• Work closely with financial actors such as microfinance institutions, digital platforms, FinTechs, NGOs, and banks to develop/refine affordable housing finance and housing microfinance products.
• Strengthen Financial Partnerships: Collaborate with banks, MFIs, and other financial actors to enhance their capacity, de-risk housing finance products, and expand outreach to underserved markets.
• Develop and Execute Strategy: Implement the country’s financial inclusion and housing
• market strategy, aligning market interventions with organizational and investor objectives.
• Market Analysis & Impact Measurement: Conduct market assessments, track performance metrics, and provide actionable insights to optimize product uptake, portfolio growth, and social outcomes.
• Mobilize Private and Impact Capital: Identify opportunities for co-financing, blended finance, and investor engagement to scale housing solutions and unlock private sector investment.

Housing Finance Market Development – 30%

• Market Analysis & Strategy: Conduct comprehensive analysis of housing finance markets, including demand, supply, regulatory frameworks, and emerging trends to inform strategic program design.
• Provide technical guidance and leadership to new business opportunities, develop proposal content and serve as technical or contributing writer or subject matter expert.
• Partnership Development: Identify and build partnerships with financial institutions, government agencies, and development partners to strengthen housing finance ecosystems.
• Product and Service Innovation: Design, pilot, and scale innovative housing finance products and delivery mechanisms that increase access for low- and middle-income families.
• Capacity Building & Advisory: Provide technical support and guidance to stakeholders, including banks, microfinance institutions, and government entities, to improve housing finance systems.
• Provide technical expertise to the team members managing project activities such as coordinating with staff and consultants involved in implementation, collaborating with partner organizations, and contributing to strategic program impacts.
• Monitoring and Impact Evaluation: Track market performance, assess program impact, and generate actionable insights to continuously improve housing finance interventions and market functioning.

Project Development and Implementation – 20%

• Lead the design and validation of housing finance products for financial institutions using human-centered approach, ensuring solutions meet client needs and market demands.
• Develop comprehensive training materials and manuals to build the capacity of financial institution staff.
• Support pilot planning, establish performance metrics, and monitor outcomes to ensure measurable impact.
• Produce high-quality collaterals for donors and investors, including proposals, concept notes, and pitch decks, to secure funding and partnerships.
• Provide technical leadership for new business opportunities, contributing as a subject matter expert and proposal developer.
• Manage strategic partnerships and market systems initiatives, serving as both project and relationship manager to drive program goals.
• Oversee program budgets and ensure timely, accurate, and high-quality donor reporting to strengthen organizational credibility and resource mobilization.

Networking and Representation – 15%

• Build networks with private (banks, MFIs, associations) and public sectors, who are involved in housing finance innovation and market development, inspire volunteering activities for housing.
• Prepare technical briefs, reports, and presentations after synthesizing learnings from across the projects and help position Habitat for Humanity Cambodia as a thought leader in the affordable housing finance sector.
• Influence the sector to allocate more capital to housing by sharing learnings and experience from Habitat's financial inclusion and market system initiatives.
• Ensure appropriate dissemination of meeting minutes, assessment reports and other information materials to relevant partners.

Other responsibilities – 5%

• Develop project impact case studies or impact stories from the housing finance, housing market development program.
• Represent Cambodia branch office in relevant forums, conferences, and meetings at local, national and international levels as required.
• Keep up to date with knowledge on loan, land and housing regulations in Cambodia.
• Coordinate and support other departments as and when required.

Success Criteria:

• HFH Cambodia’s housing market development and housing finance strategies have been
• actively implemented.
• The number of partners such as banks, MFIs, and other financial actors have successfully been partnered/engaged with for developing the housing finance market.
• Percentage of the assigned projects completed on time and within budget.
• Stakeholders are satisfied with new initiatives.
• Fostering innovation within the team, leading to the development of new projects that address the needs of communities and relevant stakeholders.

KEY REQUIREMENTS:
Education:

• Master’s degree in Economics, Business Administration, Finance and Banking, International Business Development or any related fields.

Experience:

• At least 8 years of experience in a financial institution or supporting financial services institution in product development and implementation.
• At least 5 years of experience related to housing finance innovation and strengthening housing finance product performance,
• Experience in proposal development related to housing programs, green financing, inclusive housing finance, and housing market development.
• Experience in project evaluation, logical framework, program learning, and research.
• Experience in facilitating training of trainers for financial institutions' staff.
• Demonstrated knowledge of the housing ecosystem, policy analysis, research studies, and advocacy initiatives related to housing finance systems and impacts investment in Cambodia.

Preferred – in addition to a minimum:

• Proven ability to build respectful relationships with the government, financial institutions, partner organizations and other networks.
• Ability to provide guidance and facilitate partners and staff, through knowledge and experience in the technical area.
• Excellent written and verbal communication in English and Khmer languages.
• Computer skills with expertise in Office 365 applications.

Competencies:

• Upholds highest organizational and ethical norms and maintains high standards of integrity and trustworthiness.
• Works well in teams with a preference for transparency and collegial decision-making with an attitude to learn and share knowledge.
• Balances the needs and interests of various stakeholders, internal and external, while determining priorities, time and resources effectively.
• Demonstrated ability to work with external partners to deliver project results.
• Capacity to write and oversee writing of technical proposals, concepts note for grants.
• Capacity to write and oversee writing of policy documents such as local level strategies and/or guidelines.

Values and Safeguarding
Active support of HFHI Values:
a.    Humility – We are part of something bigger than ourselves.
b.    Courage – We do what’s right, even when it is
i.    difficult or unpopular.
c.    Accountability – We take personal responsibility for
i.    Habitat’s mission

Safeguarding: HFHI requires that all employees take seriously their ethical responsibilities to safeguard our intended beneficiaries, their communities, and all those with whom we work. Managers at all levels have responsibilities to support and develop systems that create and maintain an environment that prevents harassment, sexual exploitation and abuse, safeguards the rights of beneficiaries and community members (especially children), and promotes the implementation of Habitat for Humanity’s code of conduct.

Authorities and Authority Limits:

• With Payment and Budget Authority per Delegation of Authority (DOA)

Working Conditions and Requirements:
Travel Expectations (Percent of time spent traveling): 

• International:    5%
• Domestic and fieldwork: 30%

Please send CV and cover letter to
Email:      job@habitatcambodia.org
Phone:    023 997 840
Website: https://habitatcambodia.org/en/career-opportunities
Please mention "www.Cambodiajobs.Biz" where you saw the ad when you apply!