Technical Assistance to Support the Bangladeshi Bank Training Institutions

Position: Short-term Senior Expert - Organization of SME Banking at All Levels
Duration of the assignment: 10 work days, starting as soon as possible

Requirements:
- At least 15 years of banking and/or consulting experience at senior level with experience of SME banking organizational development and implementation in commercial banks, some of which have been acquired in emerging markets, preferably in South East Asia
- Excellent verbal and writing skills, and ability to design  “state of the art” presentations

Description of the assignment:
The specific objectives are for the expert to describe and motivate for “best practise” SME banking organization taking all factors into consideration. Based on that, it is further the objectives that banks that do not currently meet “best practise” decide to adjust their organizations accordingly.

Tasks:
- Design and conduct a one-day seminar on organization of SME banking
- Supporting articles elaborating on the topic
- One-to-one meetings with four banks answering questions related to their specific needs
- Participating in a press conference

Position: Senior Short-term Expert - SME Clustering and Clustering Finance Training
Duration of the assignment: 16 work days, starting as soon as possible

Requirements:
- The senior expert will have at three years of experience with clustering/clustering finance, preferably from a neighbouring country, such as India

Description of the assignment:
The specific objectives are for the expert to design a training course and conduct training aiming at providing the BIBM faculty members and external trainers adequate knowledge of clusters and their finance, and that they will be able  to provide “best practise” training for the employees of the banks so that they in turn are able to assess the peculiarities of clustering finance and are able to conduct proper credit analysis of the clusters as well as of the SMEs belonging to the clusters.

Tasks:
- Design of a training manual for training in SME clustering and clustering finance for use by BIBM’s selected faculty members and external trainers of commercial banks
- Train selected faculty members of BIBM and external trainers of commercial banks (1st training session, pilot testing)
- Adjustment of the training material and the approach based on experience gained from the 1st training session
- Train selected faculty members of BIBM and external trainers of commercial banks     as “train-the-trainers” including rehearsal of trainers (2nd training session)
- Supervise and provide guidance during the trainers’ first training session –full roll out
- Adjustment of training materials as required

Position: Senior Short-term expert - Human Resources (HR) Development in SME Banking
Duration of the assignment: 10 work days, starting as soon as possible

Requirements:
- At least 15 years of banking and/or consulting experience at senior level with implementation of HR development in commercial banks, some of which have been acquired in emerging markets, preferably in South East Asia. Knowledge of SME banking is a prerequisite
- Excellent verbal and writing skills

Description of the assignment:
The specific objectives are for the expert to describe and motivate for implementation of changes that relate to key success factors in HR development of the SME banking business line, and how to implement “best practise”.

Tasks:
- Design and conduct a one-day seminar on HR development of SME banking
- Supporting articles elaborating on the topic
- One-to-one meetings with four banks answering questions related to their specific needs
- Participating in a press conference

Position: Senior Short-term Expert - SME Loan Business Process Re-engineering (BPR) Expert
Duration of the assignment: 25 work days, from May 2013 to June 2013 (tentatively)

Requirements:
- At least ten years’ of implementation experience of BPR projects as a lead consultant, out of which at least five projects must relate to implementation in banks, and include BPR of the SME banking functions
- BPR bank implementation experience in emerging markets, preferable in South East Asia; and
- Excellent verbal and writing skills, and ability to document “state of the art” research report deliverable.

Description of the assignment:
The specific objective of this assignment is to encourage banks to decide and implement an SME loan business process re-engineering project through simplification of loan approval process aiming at facilitation of profitability of SME banking and enhanced customer service. It is recognized that re-engineering of processes may not be limited to the SME business line, for instance in relation to choice of new information technology, however, the focus in the deliverables should be on the mentioned business line.

It is further the specific objective to visualize that BPR may lead to a substantial cost reduction through eliminating unnecessary non-value added activities, avoiding duplication of works, elimination of documents and using template and formats, standardization of loan review or appraisal process, limiting tiers and application of ICT tools wherever suitable, etc. which will make SME lending profitable and attractive for banks in general and for lending in rural areas in particular.

Tasks:
- Design and conduct a one day seminar on BPR with focus on SME banking jointly with a local expert
- Research study on scope of BPR of the SME loan approval process.
- Draw maps on existing loan approval process through interacting with relevant process owners
- One-to-one meetings with four banks answering questions relating to their specific needs.
- Propose for improvement and draw To-be maps
- Organise a press conference with hand-outs
- Prepare and submit brief report that would incorporate Summary of initial findings, ‘As-Is’ and ‘To-be’ maps, PPP on seminar, hand-outs of media and recommendations for future actions. 

Position: Senior Short-term expert - SME Bank Product Development and Marketing Training Specialist
Duration of the assignment: 30 work days, from March 2013 to July 2013 (tentatively)

Requirements:
- Minimum of 10 years of financial institution experience of working with SMEs
- Minimum five years of SME product development and marketing experience in senior positions or as a consultant, partly in developing countries, partly in Bangladesh or in South East Asia
- Highly skilled in designing training materials, including case studies in SME banking product development and marketing, and in delivering training in the mentioned topics in emerging markets, preferably in South East Asia; and
- Analytical, extravert, and ability to communicate at all levels

Description of the assignment:
The tasks performed will professionalize banks’ ability to develop customer orientated products and services based on the characteristics of selected segments which the banks will target, and to market the products aiming at optimizing sound sales at a cost efficient manner. In relation to product development, it is further the objective not only to cover development of the core and the actual features of the products but also to include augmented product features, which for the latter will include, among others, the loan application turnaround time. The latter is very important, as often ten or more meetings are required for the SMEs when they request loans, and a presentation by the client of more than fifty documents are often required.

Banks in Bangladesh don’t have product development departments, nor are the functions of product development integrated in the organization of the business lines. The banks’ expertise – with some exceptions – is therefore fragmented, and the need for designing of an “SME Banking Product Development Manual” is therefore necessary as a deliverable for this training in order to create solid documentation in the area which can be used by the trainees after completion of the training.

Tasks:
- Design a training manual
- Design of an “SME Banking Product Development Manual”
- Train selected faculty members of BIBM and selected staff from the banking sector (1st training session, pilot testing)
- Adjustment of the training material and approach based on the 1st training session
- Train selected faculty members of BIBM and selected staff from the banking sector as “train-the-trainers” including rehearsal of trainers (2nd training session)
- Supervise and provide guidance during the trainers’ first training session – full roll out
- Adjustment of the training material as required

Position: Senior Short-term expert - Measurement and Management of SME Banking Profitability – Customers, Customer Segments, Distribution Channels, Geography, and Bank Corporate Level
Duration of the assignment: 10 work days, starting as soon as possible

Requirements:
- At least 15 years of banking and/or consulting experience at senior level with implementation of SME banking profitability measurement systems, some of which have been acquired in emerging markets, preferably in South East Asia
- Excellent verbal and writing skills

Description of the assignment:
The specific objectives are for the expert to describe the advantages of an SME profitability measurement system, the prerequisites for success, and last but not least how to ensure proper implementation.

Tasks:
- Design and conduct a one-day seminar on SME banking profitability with emphasis on customers/customer segments, bank corporate level, and to a lesser extent distribution channels and geography
- Supporting articles elaborating on the topic
- One-to-one meetings with four banks answering questions related to their specific needs
- Participating in a press conference