Pros
The people are phenomenal. Fintech can have a lot of jerks. Finance bros + tech bros can mean a lot of testosterone and a culture of bad behavior. That is not the case here. There are very few people who are jerks. Even when people disagree, it's civil and people are thoughtful about separating the person from the situation. I have had recent conversations (one today, in fact), where someone was disagreeing with me and they said, "I know you are coming at this with the right intent, but we aren't 100% aligned." By acknowledging that someone is a good person and that it's the incentives that aren't aligned, we focus on the real problem. The company itself is also extremely successful. Although we are in the news a lot for being sued, it's because we are at the forefront of this industry. We are the largest personal loan company in America and that puts a target on our backs. You don't get to #1 by being bad at your job or through blind luck. The leaders here know what they're doing and how to run a business. There are also almost unlimited opportunities to improve things. Not because things are horribly broken, but because there is so much that we can be doing. Literally everything is upside. If it's creating a new feature, changing a process, or upgrading a tool, everyone can make a significant difference.
Cons
The company has survived several devastating shocks, including our CEO committing fraud and being ousted by the Board in 2016. That, in turn, created more shocks. Taken together, it's meant the past few years have seen a huge amount of change and turnover in personnel. As the company shifts its business priorities, it causes disruption for the people working there. If your boss leaves and you don't like your new one quite as much, you might leave. That causes your friends and colleagues to reconsider things, etc. Change is hard and it's not over yet. As the business and personnel change, even at the top, it means the executive team isn't always in agreement. It can cause even more disruption as initiatives are created or killed, especially if the communication around it isn't perfect. For all the facts that it's publicly traded, 1800 people, and 11 years old, this is still a large startup. If you want something more stable, Visa, Wells Fargo, and Blackrock are all nearby.