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Foundation Finance

Prime and subprime dealer installment financing

Software Architect

Full-TimeUpdated on 10/16/2026Deadline 7/23/27
$168k - $180k/yr
Expert
Bachelor's
Rothschild, WI, USA
In PersonRemote employees must reside in one of the listed eligible states.
Software Engineering

About the job

Requirements
  • A bachelor's degree in computer science, software engineering, or a related STEM field is required.
  • At least 10 years of progressive experience in software development, software architecture, platform engineering, or technical leadership is required.
  • At least 5 years of experience designing and delivering complex enterprise systems across front-end, middleware, back-end, integration, cloud, and data technologies is required.
  • Experience working with business stakeholders in a cross-functional matrix environment is required.
  • Knowledge of Microsoft Office suite, architecture and design tools, Agile planning tools, cloud platforms, software development tools, application security tools, CI/CD platforms, data and integration technologies, and other role-specific development or design software is required.
  • Must be able to come to work promptly and regularly, take direction, work well with others, work under deadline stress, concentrate and perform accurately, and react productively to change.
Responsibilities
  • Partner with business leaders, Product Management, software development leadership, and stakeholders to translate high-level objectives into actionable technical roadmaps, scalable architecture, and measurable business value.
  • Define and evolve enterprise architecture strategy, architectural patterns, and technical guardrails to maximize performance, scalability, reliability, maintainability, security, and long-term system health.
  • Chair cross-team architecture reviews and establish design standards, architecture decision records, documentation expectations, and governance practices that reduce technical debt and unify engineering practices.
  • Lead architectural planning for complex cross-system changes spanning microservices, front-end applications, middleware, APIs, data flows, event-driven patterns, third-party integrations, and back-end systems.
  • Guide cloud, platform, infrastructure, and security architecture in partnership with DevOps, Information Security, operations, and development teams to safeguard customer and company data.
  • Serve as the senior technical escalation point for high-priority system failures, performance anomalies, reliability issues, integration problems, and architectural risks affecting core enterprise systems.
  • Evaluate emerging technologies, including AI-assisted development tools, automation platforms, cloud services, frameworks, and third-party systems; build proofs of concept to validate future-state architecture and reduce technical uncertainty.
  • Provide advanced technical guidance and architectural mentoring to team members and reduce key-person dependency by promoting knowledge sharing, technical diagrams, documentation standards, architecture decision records, review practices, and reusable patterns while promoting professionalism, sound judgment, and constructive risk communication.
  • Establish and advocate engineering best practices including secure coding, Test-Driven Development (TDD), automated testing, CI/CD practices, code review standards, observability, and production stability.
  • Support Agile/Scrum delivery by clarifying technical scope, sequencing architectural work, identifying dependencies and tradeoffs, and aligning technical execution with sprint, release, and roadmap commitments.
  • Perform other duties as assigned by management.

About the company

Foundation Finance provides installment financing for dealers and retailers in home-improvement and related industries, offering both prime and subprime options and also purchasing and servicing retail financing portfolios. Financing is offered to end customers through participating dealers as installment loans, with Foundation Finance also buying and managing existing portfolios to handle payments. The company differentiates itself by covering a broad range of industries, offering both prime and subprime options, and providing free dealer enrollment along with portfolio purchases and servicing. Its goal is to help retailers grow sales and cash flow by offering store-facing financing and by managing financing portfolios for dealers.

Company Size

N/A

Company Stage

N/A

Total Funding

N/A

Headquarters

Rothschild, Wisconsin

Founded

2012

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Simplify's Take

What believers are saying

  • KBRA rated Foundation Finance Trust 2026-1; June 2026 deal totaled $399.39 million.
  • Andrea McCullion became president in February 2026 to accelerate growth and partner execution.
  • Foundation Finance posted fresh August and September 2026 dealer content, signaling active go-to-market investment.

What critics are saying

  • BBB logged 61 complaints in three years, including 26 closures during the last twelve months.
  • Jones v. Foundation Finance continues in Michigan federal court, exposing underwriting and servicing practices.
  • A securitization failure or credit shock cuts warehouse capacity and halts originations.

What makes Foundation Finance unique

  • Finances home-improvement projects with unsecured consumer loans, including FICOs as low as 550.
  • Offers 12-240 month terms and no prepayment penalties, attractive for contractors and borrowers.
  • ChargeAfter integration broadens distributor reach inside embedded point-of-sale lending workflows.

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Benefits

  • Health Insurance
  • Dental Insurance
  • Vision Insurance
  • 401(k) Retirement Plan
  • 401(k) Company Match
  • Paid Sick Leave
  • Parental Leave
  • Life Insurance
  • Disability Insurance
  • Wellness Program
  • Flexible Work Hours
  • Health Savings Account/Flexible Spending Account