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

1.0
5 Dec 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
18 May 2026
Recommend
CEO approval
Business outlook

Pros

Great culture, growth opportunities and support

Cons

Performance Management can be harsh

1.0
1 June 2026
Recommend
CEO approval
Business outlook

Pros

Pay can be decent compared to GovCon. Some people are a pleasure to work with. Other non-pay related incentives.

Cons

Never heard more nonsensical topics during meetings; people sharing their sexual preferences, flaunting overly dramatic personal lifestyle decisions, diversity to the point of failure, etc. Hearing the term "white guilt" in a professional setting was, well, pretty unprofessional. Stack ranking for performance reviews is a mess. Someone has to have an "F" regardless of their performance because that is what their line of business is allotted. Be prepared to be held responsible for actions any Sr Leadership would just sweep under the rug under their own circumstances. If a manager doesn't like you, regardless of your productivity, you're toast unless you're able to find another LoB to support. HR / AR are just a check in the box and will most likely point you from one to the other and back again without resolving any issues. You'll find yourself curious as to what leadership does as they continue to scrape managerial responsibilities from their plate, to yours. Last but certainly not least; you may find yourself working hard on a project; nights and weekends, just in case that work life balance is feeling a little too perfect. Fret not, someone will surely assist in taking credit for the hard work you've put in. I'm sure none of these things will happen to you, though. Best of luck!

3
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