Pros: The office was nice and the culture was good.

Cons: There are not many opportunities for career advancement.

Pros: The tech stack is modern and has potential. Colleagues at the peer level are friendly and welcoming. Central office location and standard benefits.

Cons: Gaslighting: There is a toxic habit of gaslighting senior engineers. Valid concerns about security holes or architectural flaws are dismissed as "negativity" or "personality clashes." Management rewrites history to avoid facing technical reality. Triangle of Gossiping: Management operates through triangulation. Instead of direct, professional feedback, there is a culture of talking about people rather than to them. It creates a paranoid environment where "culture fit" is just code for "who is in the inner circle." Zero Security Standards: For a bank, the lack of serious security protocols is alarming. If you raise this, you are labeled as "difficult."

Pros: The office is in a good location. The CEO is a nice guy that is doing a good job in transforming the company into a bank.

Cons: The .NET stack has been neglected in favour of Java/Kotlin rewrites of most services. As a result, several .NET devs have left over the last 12 months. This leaves Zopa in a vulnerable position because the core of the P2P business still runs on .NET. I suspect that the remaining few .NET devs will also check out over the coming months, as better opportunities are available in London. P2P investors/lenders have seen little improvement to the slow user experience and confusing dashboard. This is due to an ongoing controversial rewrite of the investor platform which shows no sign of being complete any time soon. The marketing material is often cringe-inducing!