Pros
* The company moves quickly, which affords you the opportunity to work on a wide array of projects.
* The technical stack is very diverse, so you'll have exposure to a lot of different technologies (Java, Python, Scala, Docker, Kubernetes, Spark, etc.)
* Good mission; extending credit in developing countries is a noble cause
Cons
* General disconnect between engineering and product. When features were delivered from engineering, management was confused or unaware.
* Mid-level micromanagement; goalposts would often move on engineering deliverables.
* Limited transparency from upper-level management and executive suite. Their COVID-19 response to lay off and tighten their belt was very sudden to lower-level employees.
* Benefits gradually phased out (Meals limited, commuter benefits cut, bonding activities also cut)
* Creeping unaddressed technical debt
* Mercurial engineering and developmental cycles. Sometimes sprints would be 1 week, sometimes they'd be 2 weeks, and key meetings always changed and moved around.
* Minimal cohesion between international teams
* Limited path to profitability - lending money in emerging markets is risky, and the margins are small.
* Poor work-life balance; you may be called to address issues over the weekend or outside of your set working hours