Pros
A few good and hardworking employees across teams who try their best to keep things moving despite the challenges.
Cons
The biggest concern in the company is the lack of experienced leadership and strategic clarity. The founders and senior management often appear disconnected from how the lending and fintech ecosystem actually operates. Several important business decisions seem to be taken without proper industry understanding, which has led to repeated course corrections and operational inefficiencies.
Key functions like Finance Operations and Partnerships require strong domain expertise in fintech, lender relationships, reconciliation processes, and partner integrations. Unfortunately, the leadership handling these areas does not appear to have deep functional understanding, which has created confusion in processes and slowed down execution.
Another major issue is customer acquisition and origination strategy. For a lending fintech, building a strong and sustainable origination engine is critical, but the company still struggles to get this right.
The culture also does not encourage open or constructive feedback. Management decisions are largely top-down, and employee inputs are rarely considered seriously. This has resulted in many capable and experienced employees leaving the organization over time.
As a result, the company has lost several strong performers who could have helped drive meaningful improvements. Currently only a small group of good employees remain, but attrition continues to be a concern.