Pros
1. Lots to work to do all the time, very simple tech stack easy to contribute early 2. The people are generally very friendly and want to get stuff done. 3. The CEO seems to know her stuff and is very open and transparent about the state of the company and its strategy.
Cons
1. There is a real lack of coding standards. Very poor test coverage and services are littered with stale comments. Wide AI agent usuage doesn't make things better because of this. 2. Waterfall mentality with big bang releases every 6 months is the norm. Build now fix later attitude putting the customer second with wild delivery targets and stakeholders calling the bets. 3. Burn out is common. The scope of projects that MUST be delivered is usually large with very tight deadlines. There is a real exercise in managing expectations and being a "yes man" is preferred. 4. Poor engineering culture. Those who push for better, industry standard processes don't get listened to or just get shrugged at. There are a lot of Engineers who have been in the company a long time, which sadly has meant there has been little change to the engineering culture. The poor engineering standards and endless bugs is leaving me uninspired and frustrated. And worse, I don't get listened to when I call it out. Its a shame but Monzo really needs a shake up, it has some great tooling but it needs to take coding standards seriously and have some proper industry standard processes in place.