Senior Underwriter (Dubai)

📍 Dubai, UAE

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.