Upstart

• A good place to get RoR experience
• Remote friendly
• Some smart folks, though that's changing

• Business has suffered greatly with high interest rates and lack of adaptation - equity compensation very poor for most who joined after IPO
• Becoming very ex-Amazon heavy - Amazon on the resume is nearly a requirement now
• Lots of projects that lack value - building things fast to keep everyone busy and feed the "speed habit"
• Financial rewards are very top-heavy - too much for the leadership, too little for the folks who build the product

Trim the headcount (likely in bloated middle and upper management) until you can pay well enough to reward good talent. Prioritize much better and work on things that add value - stop migrating to the next new thing every few months. Show some humility and true leadership by taking a pay cut and deferring your own compensation until the business improves.