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Foundation Finance

Prime and subprime dealer installment financing

Principal Software Engineer

Full-TimeDeadline 7/14/27
$135k - $160k/yr
Senior
Bachelor's
Rothschild, WI, USA
RemoteRemote employees must reside in one of the listed eligible states.
Software Engineering

About the job

Requirements
  • A bachelor's degree in computer science, engineering, or a similar relevant field is required.
  • Seven years of experience in a development role is required.
  • The role requires the ability to effectively present information to top management, public groups, and/or boards of directors.
  • The role requires the ability to respond to common inquiries or complaints from customers, regulatory agencies, or members of the business community.
Responsibilities
  • Lead the architecture and design of highly scalable and maintainable software systems, contributing to and driving technical roadmaps aligned with business strategies and future goals.
  • Provide technical guidance and mentorship to engineering teams, foster innovation and collaboration, and partner with product management, design, and operations to deliver features and improvements.
  • Oversee and participate in developing front-end, middleware, and back-end systems using the company’s technology stack.
  • Establish and enforce coding standards, best practices, and efficient development processes; develop and maintain technical documentation and foster knowledge sharing across teams.
  • Evaluate and incorporate emerging technologies to enhance technical capabilities.
  • Design and implement solutions that optimize application performance, scalability, and reliability.
  • Lead initiatives to improve the development environment, tools, and processes to enhance productivity and quality.
  • Implement and advocate secure coding practices to safeguard sensitive data and ensure compliance with industry standards.
  • Identify development-project risks and propose mitigation strategies.
  • Perform other duties as assigned by management, including contributing to organizational goals and adapting to changes productively.
Desired Qualifications
  • Technical certifications from Amazon, Atlassian, Google, Microsoft, or in an essential duty are a plus.

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