Senior Underwriter (UAE)

mcl finance; Dubai Emirate; On-site; AED 420,000 - 660,000; Full time

Job summary

MCL Finance in Dubai seeks a Senior Underwriter to own credit decisioning across its SME lending book, balancing risk with commercial opportunity as the region scales. You will lead underwriting, analyse financials and bank data, and coach juniors in a fast-paced, growth-focused environment.

Join a team that values speed, rigor, and clear communication, with opportunities to shape underwriting practice and advance within a rapidly expanding Dubai operation.

Qualifications

• Must be highly organised with meticulous attention to detail.
• Thrives in fast-paced environments with multiple moving parts.
• Clear, professional communicator with a commercial edge.
• Self-starter who stays aligned with team goals.

Responsibilities

• Lead underwriting on deals across the full SME lending range.
• Analyse financials, bank data, and open banking feeds to assess creditworthiness.
• Apply credit risk policies while spotting smart exceptions.
• Structure offers balancing speed, risk, and value.
• Work with sales 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 policy refinement.

Skills

Highly organised

Fast-paced

Strong communicator

Self-starter

Job description

Senior Underwriter (Dubai)

Dubai, UAE

About MCL Finance

Since 2018, we've helped over 2,000 SMEs across the UK and UAE access the capital they need to grow — fast, clear, and with care. We believe finance should work better for the people building our economy: fewer hurdles, faster answers, and support that actually feels human. We back ambition with real funding and smart tools, backed by a team that gets what running a business takes. Our model puts people over paperwork — we work with brokers and business owners to deliver funding that fits, without the faff.

Our Mission

To reshape SME finance and level the playing field for good — giving ambitious businesses the fast, fair funding they need to build what's next.

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