Pros: Interesting product space. Great benefits.

Cons: Let's be frank, every company has its issues. Affirm is no different. Why do I have such contempt for Affirm these days? Several reasons, but let's start off simple: its immense tech debt. I know, I know, all companies have tech debt. However, I have never disliked working in a codebase/tech stack even close to as much as I do working on Affirm's. From unit tests to integration testing to staging to production deploys to language/repo tooling to telemetry, I cannot think of a single part of our tech stack that meets baseline requirements. It certainly shows. We have regular outages (e.g., a two-part, two-day outage spanning a total of 8 hours in late 2021) and are still running our core services in Python 2 (it is the middle of 2022). It is easy to understand why; we relentlessly prioritize new product initiatives over fixing our decrepit stack. Once again, I will acknowledge this is typical in industry. But the state of our tech stack is simply not tenable and has only gotten worse these past couple of years. I would recommend not joining Affirm solely due to this issue. Don't even get me started on the abysmal engineering culture. Briefly, there is no cultural expectation to support other teams, and doing so is a glorified exception instead of the standard.

Pros: - Nice culture. - Flexible vacations. - Great place to work.

Cons: Fewer stocks as compared to US employees, but that is kind of expected.

Pros: People are awesome; the company is full of A-players. People know what they are doing. Collaboration between teams is actively encouraged. It is possible to spearhead projects even if you are relatively new, since there is so much to do. You will learn a lot if you work here.

Cons: There is less transparency than before since the company is getting bigger, but that is to be expected. There is pressure to perform.