Pros
SoFi has business direction, and solid plans to take out competition. If any Fintech company will make it big, SoFi will. Though recently there was talk of layoffs and the business performance in Q1 affecting hiring, so maybe not.
Cons
Don't expect to be allowed work-life balance by senior management at SoFi. Most of the team works 9+ hours a day, with meetings frequently scheduled at 5pm or later. There's also a distinct "boys club" culture, especially within the Capital Markets team. Many of the employees are older white men who worked in finance previously and they've brought the Wall Street culture with them to SoFi. The company calls itself a startup but the term only applies in how old SoFi is, in all other aspects it's extremely corporate. The only focus is meeting aggressive business goals, which means that nothing else matters (including employee happiness, company culture, company values, etc.).