Job Overview
Location
Remote - United States
Job Type
Full-time
Category
Data Science
Date Posted
June 26, 2026
Full Job Description
đź“‹ Description
- • Design, develop, and deploy advanced statistical and machine learning models for credit risk, pricing, collections, and fraud detection to drive data-driven business decisions across Forward Financing.
- • Lead end-to-end delivery of data science initiatives from problem framing and model design through deployment, monitoring, and ongoing maintenance of production models.
- • Partner with cross-functional teams including Portfolio Strategy, Engineering, Product, Underwriting, Sales, and Collections to integrate models into operational applications and solve critical business problems.
- • Define and enforce standards for model development, code quality, documentation, and technical architecture across the data science team.
- • Act as a technical mentor to junior data scientists, fostering a culture of continuous learning, rigorous analytical practices, and high-quality model delivery.
- • Communicate complex technical findings, model implications, and business outcomes clearly to both technical and non-technical stakeholders.
- • Build and maintain scalable, production-grade machine learning pipelines and monitoring systems to ensure model reliability, performance, and continuous improvement.
- • Apply advanced techniques including generalized linear models, gradient boosting, and deep learning to solve high-impact financial use cases in a fintech lending environment.
- • Collaborate with engineering teams to operationalize models within decisioning engines and real-time systems that impact loan approvals and risk management.
- • Stay current with industry best practices in model governance, feature engineering, and MLOps to ensure models remain accurate, fair, and compliant.
- • Translate business objectives into measurable data science projects with clear success metrics and impact tracking.
- • Contribute to the evolution of Forward’s proprietary technology stack by identifying opportunities to enhance automation, scalability, and decision accuracy in lending operations.
- • Ensure all models are documented, reproducible, and auditable to support regulatory and internal compliance requirements.
- • Proactively identify new data science opportunities in underwriting, collections, fraud prevention, and customer lifecycle management to expand the impact of the team.
- • Support the scaling of data science capabilities across the organization by standardizing processes and promoting reusable frameworks and tools.
🎯 Requirements
- • 8+ years of hands-on model development and deployment experience using advanced statistical and machine learning techniques such as generalized linear models, gradient boosting, and deep learning
- • Deep experience in building and deploying credit risk models, especially underwriting models, in the fintech, lending, or financial services industry
- • Expert in Python, SQL, and Git
- • Experience with real-time models, decisioning engines, and production-grade machine learning pipelines
- • Experience deploying and managing models within a cloud platform (AWS, Sagemaker)
- • Strong foundation in statistics and machine learning, and knowledge of experimental design
🏖️ Benefits
- • Annual salary range of $160,000 - $220,000 USD with potential for an additional 12% annual bonus
- • Flexible work policy allowing employees to choose where they work — remote, in-office, or hybrid
- • Comprehensive benefits including medical, dental, vision, and commuter benefits
- • 401k match for U.S. employees
- • Paid parental leave
- • Wellness reimbursement
- • Annual professional development budget
- • Charitable donation match
- • Volunteering days
Skills & Technologies
See exactly how your profile matches this role — strengths, skill gaps, and what to do about them.
About Forward Financing, LLC
Forward Financing, founded in 2012 and headquartered in Boston, Massachusetts, provides working capital to small and medium-sized businesses across the United States through merchant cash advances and short-term loans. The company uses proprietary technology and data analytics to offer fast approvals and funding, typically within one business day, without requiring collateral or perfect credit. Serving over 35,000 businesses, Forward Financing focuses on industries such as retail, restaurants, and services. It emphasizes transparent terms and dedicated customer support to help clients manage cash flow, purchase inventory, expand operations, or address unexpected expenses.
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