Jobs at Forward Financing

Lead the architecture and technical direction of Forward Financing’s core fintech platform. Design scalable distributed backend systems, guide cross-team initiatives, establish engineering best practices, resolve incidents, and mentor engineers. The role owns the technical roadmap and architectural vision while partnering across teams to improve reliability, observability, code quality, and delivery. Ruby on Rails expertise is required, along with strong communication, influence, agile development experience, and a broad backend or full-stack perspective.

Principal Software Engineer responsible for architecting and leading development of scalable, reliable backend systems and the core fintech platform. The role sets technical direction, leads complex cross-team initiatives, promotes architectural and engineering best practices, addresses technical debt and incidents, and mentors engineers. Candidates need 10+ years of technical leadership experience, deep distributed-systems expertise, Ruby on Rails experience, strong communication and influence skills, agile development experience, and familiarity with frontend architecture or full-stack systems.

Manage a portfolio of SMB accounts with outstanding revenue-based financing balances. Contact customers by phone, text, and email; negotiate sustainable payment plans; use legal collections processes; achieve monthly recovery targets; and document account activity and next steps in Salesforce CRM. The role requires empathetic communication, strong attention to detail, independent execution, and effective use of multiple computer programs.

The GRC Analyst manages third-party risk assessments, vendor due diligence, security policies, risk analysis, internal audits, and SOC 2 audit support. The role involves maintaining the GRC program, tracking findings, coordinating stakeholders, promoting security awareness, and using AI and machine learning to automate compliance processes. Candidates should have 1–2+ years of relevant experience, strong communication skills, and familiarity with risk methodologies, vendor assessments, policies, and compliance audits.

Manage SMB customer accounts with outstanding revenue-based financing balances. Contact customers by phone, text, and email; negotiate sustainable payment plans; recover past-due balances; explain legal collections processes; meet monthly performance targets; and document account activity and next steps in Salesforce CRM.

Supports the governance, risk, and compliance program with a focus on third-party risk management. Conducts vendor assessments, maintains security policies and standards, performs risk analysis, supports SOC 2 audits, gathers evidence, tracks findings, and conducts internal audits. The role also uses AI and machine learning tools to improve GRC processes and promotes security awareness across the organization.

Sets the technical vision for data science, leads complex credit risk, pricing, and loss forecasting models from conception through production, and architects scalable machine learning pipelines. Partners with senior stakeholders to shape strategy, establishes modeling and validation standards, mentors technical staff, and communicates recommendations to executives. The role requires deep fintech lending experience, advanced statistical and machine learning expertise, and hands-on production model deployment.

Set the technical vision for data science, lead complex statistical and machine learning model development from concept through production, and architect scalable modeling platforms and pipelines. Develop credit risk, pricing, and loss forecasting models; establish model governance standards; partner with senior leaders; mentor data scientists; and communicate technical strategy to executives. The role emphasizes production deployment, monitoring, cloud architecture, and high-impact decision-making across the business.

Manage closing and business support operations teams, overseeing capacity, staffing, production goals, service levels, quality, and KPIs. Coach employees, improve processes, collaborate across Operations, Quality, Sales, Underwriting, and Compliance, and implement efficiencies that support operational scalability. The role requires analytical problem-solving, statistical interpretation, strong communication, and a commitment to operational excellence.

Lead the design and execution of global total rewards programs, including compensation bands, benefits strategy, equity and incentive plans, job leveling, pay equity, and annual compensation cycles. Advise executives, HR business partners, and talent acquisition using market data, financial modeling, and internal equity analysis. Optimize total rewards systems and programs across a growing global organization.

Validates partner documentation and transactional bank information for compliance with company policies and financing criteria. The role verifies month-to-date transactions, maintains accurate records, meets funding queue service-level agreements, and collaborates with Underwriting, Sales, Legal, and other teams. It also requires documenting recommendations, analyzing financial data, prioritizing multiple tasks, and completing work accurately and efficiently.

Architects and develops AI-powered systems, tools, agents, backend services, APIs, and experimentation frameworks using foundational AI models. Integrates AI capabilities with microservices, AWS, Snowflake, and complex data systems while ensuring scalability, reliability, and maintainability. Translates business problems into technical solutions, prototypes AI applications, collaborates with product and engineering teams, evaluates emerging AI technologies, and documents system designs and integration patterns.

Architects and develops AI-powered systems, backend services, APIs, experimentation frameworks, and automation using foundational models. Integrates AI capabilities with microservices, AWS, Snowflake, and diverse technology stacks while ensuring scalability, reliability, and maintainability. Collaborates with product, data science, and engineering teams to translate business needs into technical solutions, evaluate emerging AI tools, and rapidly prototype proof-of-concept applications.

Conduct manual penetration testing, secure code reviews, and SAST triage across web applications, APIs, and AWS infrastructure. Develop AI-assisted security tooling, define testing approaches for LLM applications and agentic systems, and review AI-generated software before production. Communicate vulnerabilities, risks, and remediation priorities to engineering teams while improving secure SDLC practices.

Conduct manual penetration tests and secure code reviews across web applications, APIs, AWS infrastructure, and AI systems. Develop AI-assisted security tooling, test LLM applications and agents, triage SAST findings, tune detection rules, support security reviews before production, and communicate risks and remediation priorities to engineering teams.

Drive high-volume outbound re-engagement of paid-in-full merchants to generate new funding opportunities. Use CRM (Salesforce) and auto-dialer tools, analyze performance metrics, mentor junior reps, collaborate with cross-functional teams, pilot beta technologies, and meet strict activity, conversion, and quota targets.

The Senior Customer Engagement Representative focuses on re-engaging previous clients with a paid in full balance, utilizing high-volume dialing, Salesforce for management, and mentoring junior representatives while optimizing performance metrics for conversion and revenue targets.

Lead end-to-end data science initiatives: design, deploy, and monitor ML/statistical models for credit risk, pricing, collections and fraud. Collaborate cross-functionally to integrate models into production, define model development standards, mentor team members, and maintain scalable ML pipelines and monitoring systems to drive measurable business impact.

Manage a portfolio of small and medium business customers to grow relationships and identify additional capital solutions. Analyze business and financial histories, own the sales process from approval to close, use data to prioritize opportunities, and meet monthly quota in a fast-paced environment.

Manage a portfolio of small and medium business customers to grow relationships and secure additional capital. Analyze business profiles and financial history to recommend Forward Financing products. Use data and reporting to prioritize opportunities, own the sales process from approval to close, and meet monthly quotas while collaborating with underwriting and peers.