Pros
Affirm is a mission-driven company that genuinely wants to improve the lives of people through honest, transparent financial products. The company has a highly experienced leadership team that includes co-founder and CEO Max Levchin. They are mature hands but also passionate about what the company's trying to do. Affirm has attracted smart people who care deeply about the mission and want to do right by both its customers and colleagues within the company.
Cons
Affirm is experiencing some of the challenges that are common to rapidly growing startups such as communicating at scale and making sure the culture evolves yet stays true to the core values of the company. That said, I've been impressed by the desire of the company to have honest, and at times difficult, conversations about how we could do better and to solicit direct feedback, both good and bad, from the everyone.