SoFi

We are not similar to other FinTech companies and are uniquely positioned by building a one-stop-shop financial product for the immediate, everyday financial needs of every individual. The product is the moat.

We move fast like a typical tech company (this could be a pro or con). How it's viewed matters.

TAM is very huge, and penetration is low. So there are a lot of products to develop.

Engineering culture is solid and is changing per the evolving financial landscape to stay competitive.

Adoption of Generative AI tools for productivity gains is happening, similar to other tech companies, which is good in the long term.

We push heavily for an away-team model when needed. That could benefit in delivering fast, providing business value, but comes at a cost.

We've been in a hiring spree for some time.

There are many talented engineers who are constantly pushing the engineering bar.

• FinTech means regulations, compliance, etc., which can slow down engineering work. • Coding standards in some teams are not up to enterprise industry standards, but it's typically the nature with similar companies who are moving faster to find PMF. • It doesn't operate as a tech company but a finance company.

Too soon for any advice because of short tenure.