What's going wrong and how can it be improved at OnDeck?

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The company keeps hiring/promoting incompetent Directors to manage teams in the technology department. These Directors are free to cause whatever mayhem they wish without being held accountable. The company takes action against said directors only when it is far too late. Additionally, the business model is broken. It is unfathomable that the company originates tens of thousands of loans a year with astronomical interest rates, and yet the company is unable to generate a profit. The way it can be improved is by creating a culture where managers are kept in check by employees.