Pros: - Exciting domain and product space; surprising potential to drive a lot of impact, and if you like learning about interesting things like I do there is so much to discover - Truly excellent colleagues, everyone I've worked with is a combination of kind, talented and motivated - Work life balance (it is intense while you're "on" but folks are supportive of laptops down / your non-work time is protected) - Supportive culture, even down to the details (eg gender-inclusive bathrooms in the office). I'm aware some folks might see stuff like this and think it's policing or wokeness gone wrong, but frankly it builds a safe and productive environment so I'm happy to see it being done. - Company strategy and senior management direction all makes sense. I've been particularly impressed with the CEO, having not known much about them and feels like the right steward to drive excellent outcomes not just for Monzo but for all customers. Overall, I have really enjoyed my time at Monzo so far!

Cons: - EM role not as rigid or clearly defined as in other companies. This is being worked on, and could be a pro since it also means there are multiple ways to be successful - onboarding can be tricky (lots of context to pick up) - (minor nitpick) could move a bit faster on some of the perks / benefits side; e.g. stock options, time to register for health insurance, etc. This is unlikely to be the right workplace or role for people who seek constant explicit direction - I have found you need to be wearing a "self-starter" hat more often than not.

Pros: - Really friendly and caring people - Feels great working on stuff people know and love - Amazing work-life balance

Cons: - The engineering org hadn’t fully matured yet, and the performance framework and calibrations leaned too heavily on subjective statements and “vibes”.

Pros: Monzo is the card that you seem to see people using everywhere, great brand, loyal customers, and the best user experience. The people in Product are smart and passionate about building something meaningful. Many of the original people who built and designed the systems are still at the company.

Cons: I had a difficult 2020 that caused a lot of churn and introspection, which probably made some bad decisions in hindsight. That haze has started to clear with the new leadership.