Building production-ready AI Apps & Agents at @NuerexLabs. I help companies turn LLMs into revenue-generating products. 🏗️ Developer | 📈 Statistician | Web3.
I know it's hard to believe, but when the time comes, things just happen. I can't tell you enough how much this has happened to me.
I truly believe that God's time is really the best.
Both of these things are true:
1. Remote work is hard and can be a bad fit for many
2. Office culture can be great and more productive
Rather than ignoring nuance, just don't hire the person who needs office culture remotely, or vice versa.
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.
As a software engineer, your job used to be creating and managing a machine.
Now your job is creating and managing a machine that creates and manages machines.
stop adding features to win the deal. piling on deliverables tells the buyer you don't believe the core thing is enough.. one specific promise closes better than ten bullet points ever will.
A reminder from Atomic Habits by James Clear:
“New goals don't deliver new results. New lifestyles do. And a lifestyle is a process, not an outcome. For this reason, all of your energy should go into building better habits, not chasing better results.”
If you’re a software engineer tired of being invisible, whether you’re aspiring to break into tech or already “cooked” (seasoned/experienced) with years of solid work but still not getting the opportunities, recognition, or momentum you deserve…
In 2026’s AI-saturated, hyper-competitive tech world, just being a good coder isn’t enough. Recruiters, hiring managers, and peers are drowning in applications. Raw LeetCode skills or years of experience alone won’t cut it.
This thread is your complete, actionable blueprint to pitch yourself powerfully, skyrocket your visibility, and stay razor-sharp relevant so opportunities start chasing you.
Aspiring devs: Build from zero to standout.
Experienced engineers: Level up from solid contributor to thought leader and magnet for roles, speaking gigs, and referrals.
Let’s go 👇🏿