NETS

Pros: They do offer a hybrid model, which is nice if you don't want to be in the Singapore office five days a week. As a Product Manager, I've found some autonomy to manage my own schedule for focused work. It's a solid option for those needing some WFH time each week.
Cons: But the hybrid model isn't super flexible. You still have set days required in office, which limits true work flexibility. Work-life balance can get tough; sometimes you're just expected to be available even during WFH days. Can't just fully remote for most roles, even though the tech for payment processing allows it.
Advice to Management: Really look at what 'flexibility' means and empower teams to decide what works best for their role. A more adaptable WFH policy could boost morale and productivity across the organization.

Pros: You'll learn a lot about the payments industry here. The job security is strong, and compensation for a Software Engineer in the Singapore office is quite competitive. We also have a decent hybrid model which helps with flexibility.
Cons: The company culture is really hierarchical and slow-moving. It's tough to get new ideas approved, and there's a lot of red tape, especially for modern fintech initiatives. Cross-team collaboration could be way better.
Advice to Management: Really listen to feedback from the tech teams. Embrace modern practices and cut down on bureaucracy to improve morale and foster innovation in the payments sector. A more open culture would help a lot with retention.

Pros: You get solid job security, which is nice in the current economy. The pay for entry-level Software Engineer roles is decent in the Singapore office, and the benefits package is pretty standard. It's a stable, established corporate environment.
Cons: Career growth is really slow, especially for IT roles. It's tough to move up, even with new fintech solutions being developed. There aren't many clear paths for advancement, and internal promotions seem rare.
Advice to Management: Management really needs to focus on creating clearer career paths for employees, especially in technical roles. Investing in more training and development programs could help with retention and motivation for the next generation of Software Engineers.