Pinned
In 2020 when I joined @kunalb11 at CRED, I was drawn to the incredible team and a contrarian idea – “not everyone gets it”
we had ~1M members & $750M TPV
fast forward to 2026, CRED’s impact among India’s most creditworthy is clear, we now serve 17M members & process $100B in
It’s been a minute.
2015–2018
- Exited FreeCharge. Spent time learning and investing.
- Pondered about: Why can't trust be rewarded? Started with $1M of personal capital.
- Launched CRED to reward people for paying credit card bills on time.
2019–2025
- Built a system run by a






