1. Background

LM International (LM) is a Swedish non-profit global foundation working to see the people we serve have a dignified life in a sustainable world. Since 1958, we have operated in over 80 countries and are currently active in 25 countries across four continents. Our mission is to empower individuals to create sustainable futures while preserving planetary health for future generations. We collaborate with governments, partner organisations, donors, civil society, nonprofits, the private sector, academia, individuals, and grantees to drive lasting change. As a leading actor in diverse partner platforms with experience in the UN and EU systems as well as with DANIDA, NORAD, SIDA, LM has developed vast experience of nurturing innovation through effective partnership modalities that lead the way in global development, where innovation and emerging technology is utilised to tackle complex challenges.

LM International is currently supporting a carbon credit registration process for a commercial e-mobility company in Uganda that offers innovative electric mobility solutions, including lease-to-own electric motorcycles, charging infrastructure, and related services. As part of its commitment to promoting sustainable transport and reducing greenhouse gas emissions, the objective is to register the company’s operations under an internationally recognised carbon credit mechanism.

As part of its digitalisation and scale-up strategy, the company aims to strengthen loan portfolio quality, reduce preventable defaults, and improve rider retention through proactive, data-driven, and behaviourally informed risk management.

To achieve this, LM International seeks to engage a qualified Ugandan consultant with demonstrated expertise in developing Early Warning Risk Engine frameworks and Behavioural Incentive Frameworks for e-boda financing portfolios. The consultant will be responsible for designing the logic, technical specifications, and behavioural mechanisms underpinning an Early Warning Risk Engine, grounded in the Ugandan boda-boda context and suitable for direct integration into the company’s digital systems.

2. Objective of the Assignment

The objective of this consultancy is to design an implementation-ready Early Warning Risk Engine and behavioural incentive framework that enables the company to proactively manage repayment risk in its loan portfolio.

Specifically, the assignment will:

• Identify early signals of repayment risk using behavioural and portfolio data
• Define clear, data-driven risk categories and scoring logic to support timely operational intervention
• Translate rider behaviour and user requirements into explicit, system-ready logic and specifications
• Design feasible incentive and accountability mechanisms that strengthen repayment discipline and rider retention
• Produce technical outputs that can be directly handed over to software developers for implementation

3. Scope of Work

The consultant will be responsible for the following workstreams:

A) Portfolio & Behavioural Assessment

• Review the lease-to-own product structure
• Assess behavioural and contextual drivers of repayment, arrears, and disengagement within the Ugandan boda-boda sector
• Identify critical risk moments across the rider lifecycle
• Assess data availability, quality, and constraints relevant to risk logic design and system implementation

B) Early Warning Risk Engine Design

• Analyse rider- and portfolio-level data
• Define early warning indicators based on available data points
• Specify risk-scoring logic, including indicator combinations, thresholds, and dependencies
• Define tiered risk categories and trigger conditions enabling proportionate pre-default intervention
• Document assumptions, data limitations, and validation requirements

C) Interventions, Incentives & Accountability

• Design intervention pathways linked to risk categories, including timing, engagement approach, and escalation principles
• Design cost-effective, reward and incentive mechanisms linked to positive repayment and engagement behavior
• Define proportionate accountability mechanisms to discourage strategic default while safeguarding rider trust
• Ensure all mechanisms are operationally feasible and system-trackable

D) System Specification & Adoption

Translate the risk engine and behavioral framework into implementation-ready technical specifications, including:

• Required data inputs
• Logical rules, calculations, and thresholds
• Risk classification outputs and triggers
• Define expected system outputs for operational monitoring and portfolio oversight
• Business model for incentive and reward system
  4. Deliverables

The consultant will deliver:

• Inception Note – methodology, work plan, and information requirements
• Behavioural & Portfolio Assessment Summary – key insights and risk moments
• Early Warning Risk Engine Design Document – indicators, scoring logic, thresholds, risk tiers, operational response by risk category
• Implementation Specification Pack – developer-ready logic, formulas, triggers, outputs, and assumptions
• Final Report – consolidated recommendations and phased implementation roadmap
  5. Duration of Assignment

The assignment is expected to take approximately 8-10 weeks. The consultant is expected to participate in weekly update meetings.

6. Consultant Qualifications

This consultancy is open to consultants based in Uganda only.

The consultant should have:

• 5+ years of relevant experience in credit risk, portfolio management, fintech or microfinance lending, behavioural finance, or informal-sector asset financing
• Proven experience in developing frameworks, specifications and architecture
• Demonstrated understanding of the Ugandan boda-boda sector and rider behavioural dynamics or similar informal asset financing sectors
• Proven ability to translate behavioural insights into operational and system-ready logic Experience working with structured operational datasets and digital loan environments (ERP familiarity is an advantage)
• Strong analytical writing, documentation, and time management skills
• Experience or working knowledge of AI-based risk analytics, advanced BI tools, and alternative data analysis will be considered an advantage.

7. Reporting & Supervision

The consultant will report to LM International and work closely with designated focal points from the implementing company. Progress updates will be shared regularly, and key deliverables will be reviewed and approved by management.

8. Payment & Contract Terms

Payment will be structured against agreed milestones and deliverables. The consultant shall submit a financial and technical proposal.

9. Application Process

Interested consultants are invited to submit the following:

• Technical and Financial Proposal (maximum 2 pages), outlining the proposed approach, methodology, timelines, and professional fees
• CV highlighting relevant experience
• Letter of Interest describing the applicant’s motivation for the assignment and the specific experience and expertise they will draw upon to deliver the assignment

Submissions should reflect the applicant’s original work, experience, and analysis. Generic or template-based submissions that do not demonstrate a clear understanding of the assignment and local context may be considered non-responsive.

If you have any questions please reach out to tapiwa.yemeke@lminternational.org

Deadline: 22nd January 2026
Submission to: https://lminternational.bamboohr.com/