# 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.*