Quality is severely declining - stay away if you can!
Pros
**Two stars only because we IPOed so I can’t complain about that. For new hires, avoid avoid avoid unless you have no other options. Try to interview anywhere else if you consider yourself talented. It seems like we are only getting people who don’t have other options recently, not a good feeling for current employees or for new hires when everyone (team, friends) assumes you couldn’t get in anywhere else. Our management asked new hires to write reviews so that’s why you see positive reviews and also why you see them responding to every negative review** Remote work - entire company is very flexible about where, when, and how you choose to work. Affirm seems to be one of the few companies who has this figured out. However, the culture has totally been lost IPO - if you joined pre IPO, you made a lot of money from Affirm or will make a lot of money. It’s also a good culture where people a bonded by the fact that they built something together for the OGs Perks - food wallet and lifestyle wallet are nice. Other benefits are in line with most companies.
Cons
The bar has dropped so much this year - managers are empire builders. We are hiring people with no relevant experience to the role, or who are severely underqualified and would not have passed the resume screen in the past. Hiring just hire (and fire). If you’re an actually qualified candidate, I’d avoid unless you want your peers to be unqualified people who fell into the role. Not customer forward at best, predatory lending at worst - as much as Affirm tells us that we’re helping people, most of us know we are not. We’re training them to spend above their means so that we can profit off of them. This company cares so much about its public image but there's nothing they can do about being on the wrong side of history. Exit opportunities are challenging since adjacent industries see our business as unethical. No competitive moat - anyone can do BNPL and many traditional banks are aggressively coming into this space, Affirm is not innovating and this is reflected in our stock price halving since IPO Chaos - tech debt makes everything painful to work on, and I sometimes wonder how we’re a public company. Managers are way too young, don’t know how to manage teams, no vision and extremely political
