Pros
The general culture at Credit Karma is relaxed and comfortable. Employees are open and friendly! It's easy to make real relationships and all the company-sponsored and informal events play large roles in creating that atmosphere. The CEO is around and knows everyone. The company is fairly young, so there really is a lot of room to grow depending on your team. The people here are the best part.
Cons
A lot of micro-managers in each of the departments and lack of transparency in controversial decisions between management and everyone else. The start up vibe means the lack of work-life balance and ridiculous expectations at times. The company is still somewhat flat and young, meaning the managers usually have been there for a while. They have complete say in everything going on in their team, but that doesn't mean everything makes sense or is fair. This ties back to the micro-managers. Benefits and salary are no where near the market standards. The start up "perks" aren't that great compared to its competitors, especially in the Bay Are market - no free meals on a daily basis, no gym memberships or assistance with that, no extra perks for commuters/transportation, no 401K matching, limited PTO days, etc.