Pros
Strong external ethos and messaging. Legacy business is still going strong despite its uncertain future. Great people across the company, great colleagues and culture at the working (doing) levels.
Cons
Leadership (especially product) are blissfully unaware of what’s coming in payments and the threats the company will face. Leadership group blinded by the success of the cards business and despite the external ambitious investor narrative of expanding into payments, the company has no clear strategy. The company is operated in powerful little silos with no collaboration across the senior leadership teams. CEO operates within a protected little cohort of card people who are likely to have retired by the time reality hits. E quotient is lacking severely in several key leaders. The higher up you go the less collaborative it gets. Not a great example for others. Finance/CFO runs the company. Not very many things are long term. Always about the next quarter. Leadership team/finance not held accountable for decisions they helped make if they go wrong. Blame is quickly passed on. No room for failure or leaning from it.