Pros: You'll work with incredibly smart and hardworking people and learn a huge amount.

Cons: Quite intense meaning it's not for everyone.

Pros: There were talented and kind people working there. Free lunches pre-Covid were good. It looks great on your CV.

Cons: People with power and influence at Monzo are very quick to judge and never change their minds, even when presented with evidence. Those with power and who are quickly promoted through the ranks tend to be "red" personalities - very outcome focussed, come across as confident and are very direct and succinct with their communication to the point of being blunt. They can appear cold with low levels of empathy. I have a different personality type and although I was hired for my strengths, I was constantly criticised for not having red personality attributes. I was also hired for my experience which on joining was completely ignored. My role was very focussed on one type of work and down the line when I raised the subject of progression and reward I was told I couldn't be promoted because I hadn't done another type of work - this was a shock! People who have power and influence are inexperienced and promoted far beyond their experience and skill level; they've not quite realised that there are different approaches which can lead to good outcomes; only the "red" approach is valued and rewarded. Unfortunately, because I had skills I wasn't able to use and because I could not grow my career no matter how much I put into my role, my time at Monzo started to harm my career and I found it psychologically damaging. When the redundancies happened and people started to talk, I found that this problem was very wide reaching indeed - I previously had no idea there were so many people who had been receiving the same treatment as me. It's such a shame - I was filled with alot of hope and enthusiasm upon joining and thought I had found a fantastic, inclusive place. It's been a strange and very stressful journey to realise this was not the case at all.

Pros: * Surrounded by smart people working in a thoughtful, structured way towards solving difficult problems * Everyone here is (both emotionally and financially...) invested in the success of the company * Transparent, empathetic culture with a focus on mental health * Data-driven culture * I've been able to maintain a ~40h/week working life over the last 12 months (and have been encouraged to do so) * Working on a product that you interact with day to day that many people have really positive views of * Highly confident that the company has a bright future

Cons: * A lot of technical debt (though there have been some meaningful attempts of late to give this more focus) * Company is getting bigger, starting to feel more stodgy and corporate * 19% AER on lending products like Monzo Flex feels exploitative