S.J.

Notes to self.

[S.J. @EscVelocityy]

Slow down you crazy child

[S.J. @EscVelocityy]

@iChiragPaswan Flims or Acting me reservation nahi hota kya?

[flick @onlykohly]

KK’s voice is one of those things I wish I could hear for the first time again.

[Sunny @VairagiX]

UPSC Ethics paper:

Nothing like anything seen before.

[S.J. @EscVelocityy]

70 fooking yrs to realise we have others things to do instead of building wadra empire 😂

[Rangilo Rajasthan @InfraholicR]

Northeast india is seeing heavy connectivty boost.

this is Arunachal Pradesh new railway line work

[S.J. @EscVelocityy]

If you have a problem with me, text me, so i can block you 😊.

[COCO @TWOTIMESABITCH]

Tom Holland sharing a quote that said “if you have a problem with me, text me, and if you don’t have my number, you don’t know me well enough to have a problem with me” really stuck with me

[Reads with Ravi @readswithravi]

This paragraph by Haruki Murakami hits hard:

“Once the storm is over, you won’t remember how you made it through, how you managed to survive. You won’t even be sure, whether the storm is really over. But one thing is certain. When you come out of the storm, you won’t be the same person who walked in. That’s what this storm’s all about.”

[S.J. @EscVelocityy]

infra created and uplifted in last 10 years is almost crazy.

[Indian Infra Report @Indianinfoguide]

🚨Kolhapur airport transformation.

[Prosenjit @mitrapredator]

India without Press Confrence.

[S.J. @EscVelocityy]

😂😂😂

[Dhruv Rathee @dhruv_rathee]

Manmohan Govt vs Modi Govt

Look at this and judge yourself!

[S.J. @EscVelocityy]

@Bharat_Yatra_ Same college.
Same teachers.
Same books.
Same hostel.
Same room.

A qualified GATE.
B failed.

The difference?

Category.

GATE 2025 cutoffs:

CE: 29.2 vs 19.4
EE: 25.0 vs 16.6
ME: 35.8 vs 23.8

Same exam. Different cutoffs.

Is this equality of opportunity?

[S.J. @EscVelocityy]

@_nikki_tweets Bhai ye kesi shart hai - merit based sys tab he hoga jab mujhse shadi karoge 😂

[Priyanka Chaturvedi🇮🇳 @priyankac19]

Thank you @ShivAroor for this genuine conversation with the students who are going through the pain of India’s broken education system. Both general category students and speaking on an aspect which rarely is EVER discussed in politics.

[S.J. @EscVelocityy]

😂😂😂

[Salman Khan @BeingSalmanKhan]

The students are at top priority, educationally n security-wise, so they need not worry and have their parents worried for them. The Honorable Prime Minister has tweeted, and I am sure that he will take strict action against all those people who are responsible for this leak. So students, plz go back to your parents n homes.

Sonam, it's done, bro. Don't extend this. Keep the spirit for another day if there be a need, which I doubt, n eat something. If u want, will send u food from home.

[S.J. @EscVelocityy]

@DstDhananjay which one is better or worse: a student who scored –10 marks and becomes a doctor, or a student who became a doctor by passing through a paper leak?

[Kunal Shah @kunalb11]

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 team that values ownership, judgment, and craft.
- Grew from 0 to 17M members by aligning incentives with behaviour.
- Built several products during COVID lockdowns.
- Raised $900M+ from global investors. Did 4 ESOP buybacks.
- Made Indiranagar and IPL ads slightly more interesting.
- Received a full stack of regulatory licences.
- Lost 35 kilos.
- Scaled from 0 to ~$325M ( ~₹3,200 crore) in annual revenue across payments, lending, insurance, commerce, wealth, and credit cards.
2026
- First profitable quarter (yet occasionally asked what our business model is)
- Raised another $900M from Meta in primary and secondary capital.
- Announcing our 5th ESOP buyback.

Today

CRED is ready for its next phase. I am stepping back and @miten steps in as interim CEO, partnered with an incredibly talented team. He has been heading strategy and finance and suffering me since 2020. I’m stepping away from the operating role and will continue as a shareholder. My commitment doesn’t change. Just the role.

Extremely grateful to our members, partners, regulators, and investors who made this possible. And to our board, Shailendra, Micky, Saurabh for their extraordinary conviction.

Team CRED, I’ll still expect you to be a 10x version of yourselves.

As for me, I’ll be joining Meta to lead WhatsApp globally.

Meta comes in as a minority investor in CRED. No access to member data.

While it’s come very far, the delta between WhatsApp today and its full potential is massive. I look forward to working with Mark, Chris, and the leadership across Meta for the next step in WhatsApp’s journey. Will, thank you for scaling something the world relies on quietly, and for making this transition smooth.

Onwards.

[S.J. @EscVelocityy]

@Prashan39394527 @AgiWhen @championswimmer I was just having the conversation with my colleague y’day, that she wants to do some
Minor enhancement in her house and how she is not getting the approval as it will make the adjacent houses look bad.

+ add council taxes

[S.J. @EscVelocityy]

What keeps you going?

- Knowing quitting would make too many people happy.

[S.J. @EscVelocityy]

Reveal what you got for me.

[S.J. @EscVelocityy]

It’s been a beautiful fight till now, still is!

[S.J. @EscVelocityy]

Some people stab you and then pretend they are the one who’s bleeding.