Senior Underwriter
About MCL Finance
MCL Finance provides working capital solutions to SMEs, helping ambitious businesses access the funding they need to grow. As part of a wider international lending group, we combine local market expertise with the backing and infrastructure of an established, scaling business.
Our mission
To give SMEs fast, fair access to the capital they need — without the friction of traditional lending.
Our values: G.E.M.S
Growth – we push ourselves and our business forward, always looking for the next opportunity to improve
Enthusiasm – we bring energy and positivity to everything we do
Maintaining accountability – we own our decisions and follow through on our commitments
Seeing strategically – we think beyond the immediate task to the bigger picture
The role
We're looking for a Senior Underwriter to join our Dubai team and take ownership of credit decisioning across our SME lending book, balancing risk against commercial opportunity as we scale across the region.
Key responsibilities
Lead underwriting on deals across our full lending range, from smaller working capital facilities to larger SME funding lines
Analyse financials, bank data, and open banking feeds to assess creditworthiness
Apply credit risk policies while spotting smart exceptions
Structure offers that balance speed, risk, and commercial value
Work closely with the sales team to support fast decisions and clean execution
Escalate and advise on edge cases and complex scenarios
Maintain underwriting documentation and CRM accuracy
Coach junior underwriters and support continuous credit policy refinement
What we're looking for
Highly organised — nothing gets missed, nothing gets dropped
Thrives in fast-paced environments with multiple moving parts
Clear, professional communicator with a commercial edge
Self-starter who stays aligned with team goals
Bonus
Experience in unsecured, short-term SME underwriting
Our offer
Competitive base salary plus performance bonus
The opportunity to shape underwriting practice in a growing regional market
A collaborative, fast-moving team environment
Genuine progression opportunities as MCL Finance scales in Dubai
Exposure to senior stakeholders across the wider group
A business that backs ambition — both our customers' and our own
Think you're a fit? Let's talk.