Karandaaz Pakistan 

Terms of Reference 

Thematic Area: Conditional Cash Transfer 

Position: 

Project Title:  

Individual Consultant - Program Coordinator Program Coordinator – HSPRP/KPCCSD Program 

Reporting Line: Program Manager, MoEA (EAD) PMU 

Location: Ministry of Economic Affairs, Islamabad, Pakistan Duration of Assignment: 6 months, (Extendible for another 6 month’s term) TOR issuance date: 3rd Jun 2026 

Profile submission date: 10th June 2026 

Expected Start Date: July 2026 

Expected End Date: Dec 2026 

About Karandaaz Pakistan  

KARANDAAZ PAKISTAN, a not-for-profit company established in 2014 and registered with the  Securities and Exchange Commission of Pakistan under section 42, is promoting access to finance for  small businesses through commercially directed investments and financial inclusion of individuals by  leveraging technology-enabled solutions and platforms.  

Karandaaz Pakistan operates through four program verticals: 

• Karandaaz Capital provides wholesale structured credit and equity-linked direct growth capital  investments in micro, small and mid-size enterprises (MSMEs) with compelling prospects for  sustainable growth and employment generation in Pakistan 

• Karandaaz Digital focuses on expanding the poor’s access to digital financial services in Pakistan  by working across the ecosystem with all stakeholders including regulators, policy-makers,  government departments, businesses and researchers and academics in four key work areas:  policy and regulation, seeding innovation, experimentation and solutions development, and scale  and outreach. 

• Karandaaz Innovation provides risk capital and technical assistance to support innovative and  practicable solutions aimed at financial inclusion and entrepreneurship. The Women Ventures  business line provides business development support and growth capital to women-led businesses  to facilitate their expansion and scale-up. 

• Karandaaz Research & Insights supports the company’s core objectives by developing and  disseminating evidence-based insights and solutions to inform and influence markets and the  financial ecosystem. 

Background 

The Ministry of Economic Affairs (MoEA), through its Project Management Unit (PMU) for Health Care  System & Population Resilience Program (HSPRP), also referred to as KP Citizen-Centred Service  Delivery (KPCCSD)/FATA Temporarily Displaced Persons Emergency Recovery (TDP-ERP) programs, is  implementing a large-scale social protection and service delivery program with financing and technical 

assistance from the World Bank, Agence Française de Développement (AFD), and the Gates  Foundation (GF). 

The Program is designed to strengthen citizen-centered delivery of health, social protection and other  services, improve resilience in Khyber Pakhtunkhwa, and scale up conditional cash transfer models.  The EAD PMU provides overall program oversight and coordination with provincial stakeholders. 

To support these functions, the PMU is seeking a Program Coordinator who will assist in program-level  tasks, project management, coordination, and documentation. The role offers opportunities to  contribute to high-impact initiatives, work directly with development partners, and build a  professional career in program management and donor-funded operations. 

Position Summary 

The Program Coordinator will serve as an integral member of the PMU, supporting the Program  Manager in program operations, donor engagement and delivery of agreed outputs. The role includes  preparing program documentation, coordinating with stakeholders, contributing to analysis, and  ensuring that program objectives are effectively met. This position is designed for professionals who  wish to build a career in development program management, policy engagement, and donor-funded  project implementation. 

Scope of Work & Key Responsibilities  

The purpose of this engagement is to support MoEA PMU for KPCCSD/HSPRP project. 

• Assist the Program Manager in planning, monitoring, and coordinating program activities  across EAD PMU and partner institutions. 

• Prepare high-quality briefs, notes, and presentations for program leadership, donor partners,  and government counterparts. 

• Support program documentation including periodic progress reports, donor updates, and  meeting minutes. 

• Facilitate coordination with federal, provincial, and donor stakeholders to ensure timely  decision-making and smooth program execution. 

• Track program deliverables and milestones, flag implementation risks, and propose mitigation  measures. 

• Support the preparation and review of procurement and financial management documents in  line with donor and GoP rules. 

• Assist in organizing steering committees, donor review missions, workshops, and stakeholder  consultations. 

• Maintain proper records, filing, and archiving of program correspondence and documentation. • Contribute to documentation of lessons learned, best practices, and program success stories  for knowledge sharing. 

• Undertake any other program-related tasks assigned by the Project Director or Project Manager. 

Experience and Skills of Consultant 

Education 

• Master’s degree in Project Management, Business Administration, Development Studies,  Social Sciences, or a related discipline from a recognized institution.

Experience 

• Minimum 3-4 years of relevant professional experience in project coordination,  documentation & report writing, stakeholder communication or donor-funded development  initiatives. 

• Prior experience working with international development partners (World Bank, GF, AFD, UN  agencies, IOM, bilateral donors) will be highly preferred. 

Skills and Competencies 

• Strong program coordination skills with the ability to assist management in multiple work  streams. 

• Excellent drafting and communication skills with experience preparing briefs, reports, and  presentations for senior audiences. 

• Strong interpersonal skills with ability to build relationships across government, donors, and  implementing partners. 

• Proficiency in MS Office Suite; familiarity with project management tools is an advantage. • Analytical mindset with problem-solving ability and aptitude for policy and programmatic  analysis. 

• Ability to work independently with initiative, while contributing effectively as part of a cross functional team. 

• Fluency in English (written and spoken); Urdu proficiency required for stakeholder  engagement. 

Proposal Evaluation Criteria 

Pre-Qualification Documents 

• Candidate must have a National Tax Number (NTN) 

• A duly signed undertaking stating that the Individual has neither been blacklisted nor debarred  by any Government organization, public sector entity, autonomous body, regulatory authority,  or any other organization for any reason whatsoever.  

Evaluation Criteria 

• To facilitate shortlisting, the Technical Evaluation Committee will assess the received  proposals based on the following criteria. 

Desktop Review:

Only candidates scoring 80% or more out of 100% score will progress for an interview with the  Technical Evaluation Committee. This score will not be carried forward and made part of any further  assessment. 

Next, the Technical Evaluation Committee will use the following evaluation criteria to score the  candidate interviews: 

The Evaluation will be conducted on the basis of:  

• Technical Proposal and interview (100 points); and  

Only candidates scoring 70% or more against the candidate interview evaluation criteria will have  their financial proposals evaluated. 

Financial Proposal (budget in PKR inclusive of all taxes)  

All candidates must submit a financial proposal in PKR only, inclusive of all applicable taxes. The  candidate securing the highest technical score shall be invited for financial negotiations. If negotiations  with the top-ranked candidate is unsuccessful or fail to result in a satisfactory outcome, Karandaaz  reserves the right to initiate negotiations with the next highest-ranked candidate, and so on down the  ranking order, until a satisfactory outcome is achieved.  

Contract and Payment 

The contract will only be offered in PKR and the payments shall be made in PKR on monthly basis. 

Karandaaz will pay the successful consultant upon i) receipt of the invoice ii) approval from Karandaaz  of the Contractor’s time sheet. Payment will be made in PKR, as agreed, to the account specified in  the Contractor’s invoice within 30 days after the acceptance of deliverables and submission of invoice. All payments for deliverables will be made in PKR to a consultant local bank account. 

Documents to be Submitted  

All prospective candidates are required to submit the following documents: 

• Technical Proposal 

1. Copies of highest degree in Project Management, Business Administration, Development  Studies, Social Sciences, or a related discipline from a recognized institution. 

2. Professional experience certificates (if available) 

3. 02 references and/or details of referees (Karandaaz may seek verification from the referees) 4. Duly filled and signed Annexures (attached with this TOR document) 

Note: To gain a better understanding of the candidate's qualifications, it is recommended to submit  all relevant supporting documents along with their profiles to facilitate the evaluation process. 

• Interested candidates must submit both technical proposals & financial proposals on  or before 5:00 pm Pakistan Standard Time on 10th June 2026.  

• Applicants are required to submit one hard copy of the technical and financial  proposal in separate sealed envelopes marked “Hiring of Program Coordinator to  support MoEA PMU for KPCCSD/HSPRP project” at the address given below.  

• Softcopies of both technical and financial proposals (password protected) must also  be submitted via email address [email protected] 

All terms and conditions shall be as per Karandaaz's policy. In case of any conflict, Karandaaz's decision  shall be deemed final. 

ADDRESS: Karandaaz Pakistan, 1 E Ali Plaza, Mezzanine Floor, Nazimuddin Road, D-Chowk,  Islamabad, Pakistan Phone # 051-8449761 

Note: Proposal shall remain valid for a minimum of sixty (60) days after the proposal submission  deadline date established by Karandaaz Pakistan. A proposal valid for a shorter period shall be rejected  as non-responsive. Karandaaz may request additional documentation from the selected individual  before awarding a contract.

Annexure A 

UNDERTAKING REGARDING NOT BEING BLACKLISTING 

It is hereby certified that [Name] has not been blacklisted by any Govt, Agency/authority as on [Date].  The bidder will immediately inform Karandaaz in case of any change in the status at any time  hereinafter.  

It is further certified that the bidder or any of its personnel, agents or, suppliers and/or their employees  are not directly or indirectly engaged in or support individuals, groups or entities associated with  terrorism, including but not limited to the following: 

a. HM Treasury’s Office of Financial Sanction Implementation-Financial sanctions consolidated list of  targets; 

b. UK Home Office- Proscribed terrorist groups or organisations; 

c. United Nations- United Nations Security Council Sanctions List; 

d. World Bank- World Bank Listing of Ineligible Firms and Individuals. 

e. European Union- Consolidated List of Sanctions; 

f. Parties on US Treasury’s Office of Foreign Assets Control (OFAC) List of Specially Designated  Nationals and Blocked Persons 

g. National Counter Terrorism Authority (NACTA)- Proscribed Organizations List; h. National Counter Terrorism Authority (NACTA)-Proscribed Persons List 

i. French DG Trésor Freeze Register Sanctions List 

Name of Signatory:  

Signature of Authorized Signatory  

Date: __/___/____  

Company stamp: 

Annexure B 

CONFLICT OF INTEREST 

1. Confirm that the Consultant is not having any potential or existing conflict of interest with  Karandaaz: 

Confirm 

Yes _____; No _____ 

2. Confirm that the Consultant is not having any conflict of interest defined but not limited to  conditions given below: 

Confirm 

Yes _____; No _____ 

Any bidder participating in the procurement process should disclose any actual or  perceived conflict of interest situation/condition. Any bidder to have a conflict of interest  shall be ineligible for award of a contract.  

A bidder shall be considered to have a conflict of interest in a procurement process if: 

a. Such bidder is providing goods, works, or non-consulting services resulting from or  directly related to consulting services for the preparation or implementation of a Project  that it provided or were provided by any affiliate that directly or indirectly controls, is  controlled by, or is under common control with that bidder; or 

b. An entity can participate only in one bid: as a single bidder, as a lead in a consortium/  joint venture or as a partner in a consortium / joint venture. Partnership firms or similar  entities in different jurisdiction which work under common brand name or a part of  affiliated network will be regarded as single entity and may not participate in more than  one bid. Similarly associates and subsidiaries of an entity will be regarded as a part of a  group and may not participate in multiple bids. Bidders may ask for clarification and any  decision in this regard by Karandaaz shall be deemed to be final.  

c. Such bidder (including its personnel) has a close business or family relationship with one  or more professional staff of Karandaaz Pakistan who: (i) is/are directly or indirectly  involved in the preparation of the bidding documents or specifications of the contract,  and/or the bid evaluation process of the contract; or (ii) would be involved in the  implementation or supervision of the contract unless the conflict stemming from such  relationship has been resolved in a manner acceptable to Karandaaz Pakistan throughout  the procurement process and execution of the contract; or 

Such bidder falls under any other conflict of interest situation as specified by KRN Policy  And Procedure.  

3. Confirm that the Consultant has disclosed any actual or perceived conflict of interest  situation/condition: 

Confirm

Yes _____; No _____ 

4. Confirm that in case a potential or existing conflict of interest is identified, the Consultant shall  not be allowed to participate further in the procurement process: 

Confirm 

Yes _____; No _____ 

Name 

Signature 

Date

Annexure C 

Related Party Disclosure 

1. Is the Consultant a Related Party of Karandaaz: 

Confirm  

Yes _____; No _____  

2. Does the Consultant have a partner who is also a Karandaaz Pakistan director, manager, or  his / her relative1: 

Confirm  

Yes _____; No _____ 

Name  

Signature  

Date  

Note: If you have answered yes to any of the questions # 1 & 2, please provide the following minimum  information (Karandaaz Pakistan reserves the right to request additional information at its discretion). 

1 Here relative is taken to mean: the spouse, siblings, lineal ascendants and descendants of a person.