Hi everyone,
Got a few offers that I would love some input on. Have offers from Visa, PayPal, Affirm, and Wisetack (series B start-up). Visa is in office while the other three are remote friendly, which is important to me. Visa comp is also about 30k lower than the other offers (tc from the other three companies are at around170, yoe 2.5). Normally I’d go with Wisetack or Affirm for the growth potential but given what happened to Klarna, I’m a bit hesitant. Which option would you go with

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I'd say it depends on how you see the economy 6-12 months from now. I would avoid BNPL like the plague right now. Don't know about wisetack but series B also sounds risky in this environment

That leaves PayPal and visa, of which PayPal is more lucrative and riskier (their 2 year stock performance isn't pretty, but they have a solid underlying business). Visa is a fortress of a business, its a safe harbor to weather the storm and 30k is the price of admission

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Macro factors that the business models haven't had to deal with before. Some of this is already priced in given that all BNPL valuations seem to be down 80% and I believe Australia had a wave of implosions

The three big ones to me are:
1) higher rates (hurt the business models massively unless BNPL firms start taking deposits for cheaper funding)
2) regulation (BNPL is arguably shoddily underwritten credit that isn't perceived as debt, but it absolutely is, and research into default rates across the industry is a scary read)
3) competition (Apple entering; barrier to entry has been stupidly low and theres way too many BNPL companies out there - not for long though)

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Skip Klarna man, its a mess there. Have a look at glassdoor

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What’s your role at Visa?

PayPal or affirm would not be a better brand for tech exits FWIW. Also does their pay involve equity? That could explain some of the difference. Be careful with that stuff right now.

Visa pay, especially at director and above, is really good…

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