Not a great choice, and your experience is entirely location dependent
Pros
All office locations are well built out with decent perks. Mission of the company is admirable and I think that management really wants to see it through. Working in KC or SF can be a great experience, the leaders on site are well informed and care about their employees. KC/SF seem to have flexible work life balance...
Cons
Working in the Phoenix office is rough. There is no top leadership, or even close to the top leadership in the office. No flexible work life balance at all. When I was there, no emphasis was placed on personal development. I found many leaders unable to effectively communicate expectations which is a huge problem for everyone. More disturbing though, is the company seems unable to define what it wants to be... Is it a tech company or a finance company? Even fintech wouldn't properly describe them, as they aren't fully committed to the 'tech' part in a meaningful way anymore. Lastly, I am also concerned about the company's future. They are at a crossroads where their core competency isn't enough to maintain customers... Great decisions were made during the founding and that has worked out really well. Though, with competition mounting, and new entrants from all sides, I doubt they can evolve fast enough beyond their core competency to maintain customers.