JSW One Finance — lending origination platform

Commercial lending, 100% digital, lead to disbursement.

Role: AGM product · Company: JSW One Finance (JOFL) · Timeline: November 2024 – present

Overview

JOFL is a digital-first NBFC and wholly owned subsidiary of JSW One Platforms, built to serve the credit needs of India’s MSME ecosystem. I lead the lending origination (LOS), CRM, and AI charter as one of the earliest product hires on the team.

What I built

• Channel finance, vendor finance, and term loan origination (LOS)
• The lending API suite, and LOS–LMS governance across the stack
• The customer master that underpins every lending product
• Cross-org initiatives: cloud telephony, and product governance spanning JOFL and JSW One Platforms

Outcome

Commercial lending at JOFL runs end to end digitally, and the business has grown 4x in AUM since FY25. Some of the AI-native lending products we’re building here are genuinely industry-first — more on that shortly.

The deeper dive

Screens, decision logs, and the specific AI workflows are coming — this section is placeholder until that write-up is ready.