I'm a senior backend engineer (8 years, Go/Kubernetes) in Berlin with two offers and need to answer both by next Wednesday.
Offer A — Series B startup (120 people, fintech, raised €45M eight months ago, ~24 months runway at current burn): Staff Engineer, €115k base, 0.15% options vesting over 4 years with a 1-year cliff, last preferred price values the company at €380M. Hybrid 3 days/week, small platform team I'd help build, reporting to a CTO I liked a lot. They've had two rounds of layoffs in the sector this year but this company hasn't cut.
Offer B — large corporate (bank, 40k employees): Lead Engineer, €138k base + ~10% bonus, pension contribution, 30 days holiday, fully remote with quarterly travel. Team of 12 maintaining and modernising a core payments platform; the modernisation programme has been "about to start" for two years. Very stable, slower promotion ladder.
My situation: partner works part-time, we have a 2-year-old and want a second child in the next two years; mortgage is €2,100/month; ~€60k savings. I'm not chasing a big exit, but I'm bored at my current job and worried about becoming a maintenance engineer. Risk tolerance: moderate — I can handle one bad year, not two.
Question: which offer should I take, and what would have to be true for the other one to be the right choice?
Council picked: Take Offer B (Lead Engineer, bank)
Aug 26