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Forward Financing

Principal Data Scientist

Remote, Canada

Job type: Full-time
Workplace: Remote
Posting language: English
Posted: Sep 21, 2026

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Original job description

Forward Financing is a financial technology company based in Boston, Massachusetts with team members throughout the United States, Dominican Republic, and Canada. The company is on a mission to unlock the capital that fuels small businesses across America. Recognized as a Best Place to Work by Built In Boston and certified as a Great Place To Work®, Forward is investing in its employees, technology, and customer experience – with long-term success in mind every step of the way.

We are seeking a Principal Data Scientist to set the technical vision for data science at Forward Financing and drive our highest-impact, most ambiguous initiatives from concept to production. As the most senior individual contributor on the team, you will shape the multi-year data science roadmap, define how models are built and deployed across the organization, and serve as a trusted technical advisor to senior leadership. You will operate at the intersection of deep technical execution and strategic business partnership, delivering advanced analytical solutions with measurable impact across all business domains.

In this role you will:

Lead the design, development, and deployment of the company's most complex and highest-stakes statistical and machine learning models, particularly in ambiguous problem spaces with no established playbook
Drive end-to-end delivery of flagship data science initiatives, from problem framing and model design through deployment, monitoring, and ongoing iteration
Lead the technical strategy and architecture for Forward's modeling ecosystem, including credit risk, pricing and loss forecasting, ensuring solutions are built for long-term scalability and business impact
Partner with senior leaders across Portfolio Strategy, Engineering, Product, Underwriting, Sales, and Collections to shape the data science roadmap, proactively identify high-value opportunities, and influence business strategy with data
Define and enforce organization-wide standards for model development, validation, code quality, and documentation; serve as the technical authority on design decisions
Mentor data scientists at all levels, including senior and lead team members, raising the technical bar and fostering a culture of rigorous, continuous learning
Communicate complex technical concepts, tradeoffs, and business implications to executives and non-technical stakeholders, and represent data science in strategic planning
Architect and evolve production machine learning pipelines and monitoring frameworks to ensure models are reliable, scalable, and continuously improving

Why you should apply:

Mission driven company: Forward is a trusted source of fast, flexible funding for small businesses that have often been underserved by traditional financing options. When you join the team, you will help ensure all small businesses have access to the financial support they need to succeed.
Flexibility is a top priority: Our employees are empowered to choose where they want to work (whether that’s from home, in the office, or a combination of both) with flexible hours.

Role Requirements:

Deep experience in building and deploying credit risk models, especially underwriting models, in the fintech, lending or financial services industry
10+ 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
Proven track record of leading high-impact data science initiatives from ambiguity to production, with demonstrated business results
Experience with real-time models, decisioning engines, and production-grade machine learning pipelines is preferred.
Expert in Python, SQL and Git
Experience designing, deploying models within a cloud platform (e.g., AWS, SageMaker), including architectural decision-making
Experience with workflow orchestration tools, such as Metaflow is preferred
Strong foundation in statistics and machine learning
Demonstrated ability to influence technical direction across teams and mentor senior technical talent
Excellent project management and communication skills, including experience presenting to executive audiences
Strong critical thinking and problem-solving ability
Nice to have experience: cloud data warehouses (e.g. Snowflake, Databricks), Arize, Metaflow, Sagemaker, decision engines (e.g. Taktile), feature stores (e.g. Tecton)
Bachelor's degree in Financial/Applied Math, Operations Research, Economics, and/or Statistics. Masters/PhD is a plus.

Compensation:
Annual Salary: $208,000 - $286,000 CAD
Annual Bonus: You have the potential to earn an additional 12% annual bonus.

At Forward Financing, we're committed to fair and transparent compensation. We believe in providing a compensation package that recognizes your skills, experience, and the unique value you bring to our team. We take a market-based approach to pay, regularly reviewing benchmark data to ensure our compensation remains competitive, equitable, and aligned with our performance-driven culture.

Final offers are determined by a variety of factors, including the candidate's qualifications, relevant experience, specific skills, and internal equity. This approach ensures that our compensation is competitive and equitable. Your recruiter will provide specific details on the expected base and variable earnings as it pertains to this specific role.

Total Rewards:

Additionally, we offer a comprehensive total rewards package, including but not limited to: medical, dental, vision, a flexible time-off policy, paid parental leave, RRSP match, wellness reimbursement, volunteering days, annual professional development budget, and charitable donation match.

Forward is proud to be a remote-first company, keeping workplace flexibility a top priority for our employees. As a business, we are focused on impact; we are more concerned with your contributions to the success of the company than where you get your work done. To help facilitate in-person collaboration, employees are welcome to work from one of our premiere office locations.

When we aren’t collaborating to drive business and support our customers, we’re finding virtual and in-person ways to get to know our colleagues, celebrate team wins, and have fun together!

Our Culture: The Forward Compass
The Forward Compass is the standard we hold for ourselves and one another - guiding how we lead, collaborate, and show up every day to move in the same direction.
Back the Builders: We are wired to fuel customer progress, not just provide support.
Rooted in People: We create an environment that balances deep connection with the extreme ownership and honesty required to reach our highest potential.
Flying V: We move through coordinated effort with speed and urgency to achieve what no individual could do alone.
Always Forward, Never Finished: We pursue growth with a relentless drive that keeps us ahead of the competition.

About Us:

Forward Financing is a fintech company based in Boston, Massachusetts with team members throughout the United States, Dominican Republic, and Canada. The company is on a mission to unlock the capital that fuels small businesses across America. Whether facing challenges accessing traditional financing or simply needing a convenient, flexible solution, Forward is committed to funding more of the millions of small businesses nationwide. By simplifying the requirements, streamlining the process, and using advanced proprietary technology, Forward is often able to deliver approvals within hours and funds that same day – giving more businesses the financial opportunity they need to thrive. Plus, with their dedicated teams and award-winning service, customers get personalized support when they need it most.

Since 2012, Forward has expanded access to capital by providing over $4.8 billion in funding to more than 92,000 small businesses. The company is A+ rated by the Better Business Bureau with an Excellent / 4.7 stars rating on Trustpilot.com. Recognized as a Best Place to Work by Built In Boston and certified as a Great Place To Work®, Forward is dedicated to empowering both its team and the customers they serve, helping them succeed and thrive.

Equal Opportunity Employment Information

It is the policy of Forward Financing to ensure equal employment opportunity without discrimination or harassment on the basis of race, religion, national origin, status, age, sex, sexual orientation, gender identity or expression, marital or domestic/civil partnership status, disability, veteran status, genetic information, or any other basis protected by law. We welcome and encourage applications from people with disabilities. Please let us know should you require any accommodations. As part of our commitment to a streamlined and equitable hiring experience, we use AI tools to assist with candidate screening and assessment.

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More about this job

Responsibilities

The Principal Data Scientist will lead the design and deployment of complex machine learning models and define the technical strategy for the company's modeling ecosystem. They will also partner with senior leadership to shape the data science roadmap and mentor team members to foster a culture of rigorous learning.

Requirements

Candidates must have 10+ years of hands-on experience in model development, specifically in credit risk and underwriting within the fintech or financial services industry. Proficiency in Python, SQL, and cloud platforms like AWS is required, along with a strong foundation in statistics and machine learning.

Skills

Python
SQL
Git
Machine learning
Statistical modeling
Credit risk modeling
Underwriting
AWS
SageMaker
Metaflow
Data science
Project management
Communication
Strategic planning
Architecture
Mentoring

Benefits

Medical insurance
Dental insurance
Vision insurance
Flexible time-off policy
Paid parental leave
RRSP match
Wellness reimbursement
Volunteering days
Professional development budget
Charitable donation match

Remote locations

Alberta, Canada
Ontario, Canada

Remote locations (standardized)

Alberta, Canada
Ontario, Canada

Visa sponsorship

Not detected in the job text

Keywords

Fintech
Data Science
Machine Learning
Credit Risk
Underwriting
Python
SQL
Git
AWS
SageMaker
Metaflow
Snowflake
Databricks
Arize
Taktile
Tecton
Statistical Modeling
Gradient Boosting
Deep Learning
Cloud Computing
Predictive Modeling
Loss Forecasting
Pricing Models
Data Architecture
Strategic Leadership
Mentorship
Project Management
Financial Services
Decision Engines
Feature Stores

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