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It has good people there

A lot of time spent underwriting

Business side is smart and is superb at their product

The IT organization struggles with structural challenges that impact efficiency. The offshore-heavy model in India means US-based employees regularly work early hours to stay aligned, which is unsustainable long-term. The workforce is heavily weighted toward a high-headcount service model rather than investing in strong engineering talent — you need fewer, better engineers, not more bodies. Central tech functions are attempting to build platforms, but without a clear shared understanding of what a platform actually means, these initiatives remain incomplete. The result is heavy manual workarounds propping up half-finished solutions. Strategic direction shifts frequently, and ongoing layoff announcements make it difficult to plan or build momentum.