Pros: You get to work with industry experts, with specializations ranging from Finance, Business Development, Sales, Engineering, and Data Science. Extremely quick iteration time, and very rewarding work (you get to help customers understand credit on a day-to-day basis). The leadership team is extremely competent and has a lot of experience founding and running fintech companies. The challenges that arise from working with money are interesting to solve and have small to non-existent margins of error. As a result, the work you deliver is of consistently high quality. The management is very open and vocal with employees about business decisions. Competitive pay and benefits.

Cons: - Working for any startup has some volatility associated with it, as your performance is somewhat pegged to the market. - Dealing with fraudulent users/accounts.

Pros: I learn a lot by working at Affirm as a Machine Learning Engineer.

Cons: 6 Month Business Outlook is not good.

Pros: Smart coworkers, beautiful office, nice perks.

Cons: Systems in place break easily and are a pain to operate. Code debt is a real issue here: there are old parts of the codebase that are not owned by any team or IC, and cause bugs and breakages in new features. The product direction is lacking. Affirm wants to reinvent consumer finance, but I didn't see any steps in my time there to achieve that. Employee morale in that area also seemed low. WLB is not great — dinner is at 7pm, which means that quite a few of the team won't leave the office until 7:30 or 8pm.