Our culture

We believe that any success at VXL Bank comes from two things: our people and our culture. We believe that brilliant people operating in a great culture will produce the best outcome.

Dream team

We are like a professional sports team. We hire, develop, and retain elite athletes only and place them in the right spots to win.

We never compromise on talent. We select, coach, and retain the top talent only and give them all the support to achieve greatness

We think of our managers as tough coaches, putting the right champions in the right positions to win. We help those who might be good but not the best to leave gracefully with a generous package, even though it is so emotionally hard because we love all our people. But being the dream team always comes first.

We don't settle for players who are just good

We always choose to be a smaller team of brilliant people rather than a larger team with some average players in it. We define brilliant people as those who can self-define the right goals, self-direct to reach them, and redefine the standards while they get there.

We are radically truthful about each other’s performance

The bar is very high, and we evaluate people accurately, not kindly. If someone falls short of perfection, we deliver honest feedback respectfully, in a non-personal way, even though it might hurt sometimes. As a dream team, we are not concerned with appearing good, we are concerned with achieving our goals.

Never settle

VXL Bank is for those who always strive for excellence, for those who want to become the best in the world at what they do, for those who would never settle for less. VXL Bank is for 10x people

We never settle for what we’ve achieved. We can always go 10x from here

We believe that almost anything is possible. We are always in start-up mode, always building – it is always day 1. We re-define expectations, we disrupt industries, we reinvent – there are no limits, that is who we are.

We never settle for ok-ish quality. Excellent quality is a must

We constantly innovate and strive for best quality, whether it’s in creating our products, or pushing ourselves to learn that little bit extra so that we’re always at the cutting edge of what we do.

We never settle for being less than number 1 in anything we do

Whether it is a product, a market, or internal functions like recruitment, people, or finance. Being mediocre is not an option – never settle is a lifestyle that we choose.

Think Deeper

Logic, reason, and common sense prevail over everything else in decision making at VXL Bank. We are open-minded, we listen, and we are always in search of the truth

We always dive deep into details until we understand reality. We always ask: “Is that true?” and “why?” to get to the root cause

Managers are expected to operate at all levels of the organisation and understand every small detail. Managers who do not understand the nitty gritty are not able to direct well. Being hands-on is not an option, it is a must.

We always start with a problem definition. We always ask: “What is the exact problem that you are trying to solve?

Too often, people jump straight into the solutions without properly spending time on defining the problem and understanding whether this is the right problem to solve. Defining the problem correctly is already 50% of the solution.

We recognise that challenging each other is essential to finding out where the truth is

We probe deep and hard. It is nothing personal even though it can be emotional. We all want the best outcomes.

We are open-minded, and we are cautious because no matter how deep we go and no matter how smart we are, we might be wrong

The world is too chaotic and random, we never have the full picture, it is always a bet. That is why we always have contingency plans, we always limit our downside, we manage our risks.

Long-term vision

Not only do we want deep logic and abstract thinking from our people, but also crazy creativity and the ability to jump from a local maximum to a global one through non-linear thinking. We do linear optimisations and we do nonlinear large jumps as well – we are innovators.

Get it done

VXL Bankers always push through! We stopped listening to excuses a long time ago - we care about results. We believe that grit, determination, skill, smartness, and courage can break through almost any wall

We believe that the importance of a great work ethic is underrated

People who consistently put in more smart hours greatly outperform their peers in the long run. We think about committed hours the same way as a compound interest (the most powerful force in the universe). We invest over and above every week as we know that the outcome will be vastly superior in 5 years time. People who are afraid of hours are almost never successful.

We bet on people who have grit

We believe that people who have character and a desire to be successful will learn and adapt to the ever changing conditions of a competitive world. We want these people in our dream team.

We look for people who are execution machines: structured, self disciplined, proactive, results-oriented

They know each day what they need to do and have the discipline to do it. Their to-do lists are reasonably prioritised, they use all modern project management tools and they do not react randomly to the stuff that bumps into them.

We love solving problems in a simple and elegant way while taking care of every small detail.

There is an intrinsic beauty in a well thought out solution, and the opposite is true as well – bad solutions are usually complex and ugly. Our people have taste and they pay attention to every single detail.

We deliver wow not only for our customers but for ourselves as well

Any internal product or process across VXL Bank must be sleek and relentlessly focused on experience and efficiency. It is like a precise ball pass that enables your teammate to score beautifully. We owe it to our dream team so that they can focus on what is truly important – our customers.


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