Company trying to find itself after 2016 challenges
Pros
Generally friendly company culture, management tries (very) hard to be a nice/cool employer considering the significant challenges experienced in 2016 with founder and CEO scandals, so you get the usual perks of being located central SF, nice office, new designs, occasional feel-good company events, etc. Product team has been through a lot of reshuffle in 2016 as well but generally seems to be heading in the right direction from 2017 onwards with a new inspiring leader (lean approach, KPI oriented, experimentation culture, designers embedded into teams).
Cons
Although it is a fairly young and innovative company with their lending model in FinTech, it is also a very hierarchical company under scrutiny of the market (since IPO). The overall structure pushes levels down and prevents innovative thinking, too much group think, still too much HIPPO decision making, bureaucratic organisation despite their hard efforts to make it less so. Seniority or closeness to execs still seems to be what allows people to be promoted. Lots of the brightest and more innovative people have left progressively to more novel/younger companies in FinTech.