✗Intense work demands — 60+ hour weeks and 10-12 hour days are common
✗Shifting to in-office preference — new hires expected 3+ days/week in NYC, SF, or Miami
Bottom Line
Brex
Choose Brex if you want to build AI-powered fintech at massive scale with smart colleagues — but expect intense workloads and some organizational instability from recent layoffs.
Ramp
Choose Ramp if you want top-tier comp and a product-driven fintech culture — but expect 60+ hour weeks and in-office expectations.