Senior Underwriter

Senior Underwriter – MCL Finance (Dubai)📍 Dubai, UAEAbout MCL FinanceMCL 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 MissionTo give SMEs fast, fair access to the capital they need — without the friction of traditional lending.Our Values: G.E.M.SGrowth – we push ourselves and our business forward, always looking for the next opportunity to improveEnthusiasm – we bring energy and positivity to everything we doMaintaining Accountability – we own our decisions and follow through on our commitmentsSeeing Strategically – we think beyond the immediate task to the bigger pictureThe RoleWe'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 ResponsibilitiesLead underwriting on deals across our full lending range, from smaller working capital facilities to larger SME funding linesAnalyse financials, bank data, and open banking feeds to assess creditworthinessApply credit risk policies while spotting smart exceptionsStructure offers that balance speed, risk, and commercial valueWork closely with the sales team to support fast decisions and clean executionEscalate and advise on edge cases and complex scenariosMaintain underwriting documentation and CRM accuracyCoach junior underwriters and support continuous credit policy refinementWhat We're Looking ForHighly organised — nothing gets missed, nothing gets droppedThrives in fast-paced environments with multiple moving partsClear, professional communicator with a commercial edgeSelf-starter who stays aligned with team goalsBonusExperience in unsecured, short-term SME underwritingOur OfferCompetitive base salary plus performance bonusThe opportunity to shape underwriting practice in a growing regional marketA collaborative, fast-moving team environmentGenuine progression opportunities as MCL Finance scales in DubaiExposure to senior stakeholders across the wider groupA business that backs ambition — both our customers' and our ownThink you're a fit? Let's talk.