Pros
The people you work with are great and it is a very nice international mix, you can all bond over how much you all equally hate your job too, so you tend to have something in common with almost anyone you talk to in the office.
Cons
Where to begin...you are generally underpaid by a lot. You are promised promotions and bonuses but instead get no job security and wonder if they might fire you just because, well, for no reason generally. There is constant talk of bringing back the company culture, but no movement at any point to actually do that, free beers on a Friday do not make up for the terrible working atmosphere you endure during the week. If you like communication, run! The communication between heads and staff is the worst I have ever seen. Never before have I worked for a company that is run in such a poor manner, there is no money management, staff appreciation, or solid communication. It can be difficult to find work in Hamburg without being able to speak German, but my advise would be, you are better off with no job, than a job at Kreditech...although everyone is a 'manager' of something, so it does look good on your CV.