Stay away from "Refi" (Auto Refinance) - Senior Software Engineer Capital One Employee Review

1.0
Dec 5, 2023
Recommend
CEO approval
Business Outlook

Pros

The benefits were pretty good; Plano has good BBQ.

Cons

Everyone lives in fear of the bi-annual ratings. They mainly want new grads (or TDPs) that they can 'brainwash' into their way or working. A huge red flag is that it's very difficult for experienced hires to succeed there. Outside experience should be considered and embraced as diversity. It was apparent that the codebases were engineered by people with very limited experience; sloppy, poorly written, and lacking in clarity. A fairly simple questionnaire application for vehicle loan refinancing is being broken into 10+ micro front-ends. Having diverged from one another, each is largely different and a challenge to maintain. Agile practice was vastly sub-par; every work item was assigned a 1 or 2 point estimate when they took a full sprint to complete even for experienced devs. No one respected their work and thought about it beforehand. Refinement sessions were merely a formality. Poor team velocity; consistently averaged far less than 50% points delivered vs promised. Culture is more focused on output as opposed to quality. Everyone believes they are walking on water. Suggestions were met with, "well what are you going to do about it" from my manager. I'm sorry, but I couldn't change the entire group's culture of poor practices. Code reviews were a joke; everything 'LGTM'. RTO alienated remote workers. There's also a lack of effective on-boarding. They spend a week telling you about the architecture of the company's technology systems, but none of that really matters for the developer's day-to-day. No overview of the business of refi was given.

Explore other reviews about Capital One

5.0
Apr 6, 2026
Recommend
CEO approval
Business Outlook

Pros

Good WLB and compensation as of this location

Cons

Bad RTO policy, making everyone going back to office

3.0
Jun 19, 2026
Recommend
CEO approval
Business Outlook

Pros

Some of the smartest individuals in their fields. The focus is always “forward” and the company is willing to adopt new tech to stay ahead for the purposes of the company’s (key word there) benefit. Great PTO and benefits.

Cons

The company’s drive to keep itself moving forward has caused it to regress in other aspects. As a leading tech company first, and leading bank second, it’s embarrassing what their stance is on hybrid and remote work. The company can easily accommodate remote options for their employees not near main offices, but chooses not to. I am relocating to a major city with no major CapOne presence and their response was “too bad, either fly up weekly or you’ll be terminated for not meeting the hybrid requirements”. It’s embarrassing because most of my week is remote anyways. I wonder how many current and past employees have been impacted, and I’m worried about how much talent they’ll be pushing away in the coming years.

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