Kamal Krishno Bhadra

PA to Honorable MP Shri @SSAhluwaliaMP , Political Consultant, Founder JOID Consultancy

[Kamal Krishno Bhadra @Kamalkrishno]

@tweetanupam Public be like ‘ Ullu banaya bada maja aya ‘ 😄

[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.

[Historywali @historywali]

Fifteen years of field notes and recipes from documenting what India eats, and why/why not.

[Sayantan Ghosh @sayantan_gh]

Amitabh Tiwari @politicalbaaba is today among the very few people who truly work with election data by going deep into the numbers. Through his initiative, @VoteVibeIndia , he has made real-time study of elections in Bengal, Tamil Nadu, and Assam possible through actual surveys—not just once, but repeatedly—to understand the public mood as it evolves. I have known him for years, and during this election I had the opportunity to meet him and present him with my book, Battleground Bengal published by @penguinrandom

[Sanjeev Sanyal @sanjeevsanyal]

"A civilization is rebuilt by builders, not by commentators. By those who believe that truth exists and is worth devoting oneself to."....

.... exactly, civilization cannot be sustained by those who can deconstruct everything but do not know how to construct anything

[William Dalrymple @DalrympleWill]

"Sam Dalrymple Named 2026 Orwell Prize Finalist for 'Shattered Lands'"
@SamDalrymple123
https://t.co/llm8kGYfZn

[Kamal Krishno Bhadra @Kamalkrishno]

Such a grievous news to hear.

[HarperCollins @HarperCollinsIN]

We are deeply saddened by the passing of Dr. Radhakrishnan Pillai, acclaimed author, leadership thinker, and educator who brought timeless wisdom on leadership and life into contemporary conversations, inspiring countless readers, professionals, and young leaders to think with purpose, integrity, and vision.

Our heartfelt condolences to his family, friends, colleagues, students, and the many lives he touched through his enduring legacy.

[Mukherjee it is @BjornQuixote]

Back in #Kolkata, my electrician was a gentleman called Susanta. Used to live at Bondel Road. I have furniture that dates back more than 400 yrs. One day he said "Even we had such furniture once" I am like "How come? What happened to it?" His response literally froze me for.. 1/2

[Vote Vibe @VoteVibeIndia]

#VoteVibe didn’t chase noise. We read the ground.

4 states on the board | 3 clean hits | 1 miss

Kerala - nailed.
Assam - nailed the call, near-hit on the number.
West Bengal - nailed.
Tamil Nadu - missed. Owned.

No spin. No escape routes.
Just sharp calls, clean hits, and one honest miss.

3.5 on 4. We’ll take that.

[SS Ahluwalia @SSAhluwaliaMP]

পশ্চিমবঙ্গের গৌরব—দার্জিলিংয়ের পাহাড়, সুন্দরবন, সমুদ্র, উর্বর কৃষিজমি, চা, পাট ও খনিজ সম্পদ।

অশেষ সম্ভাবনাময় এই বাংলাকে উন্নয়নের নতুন উচ্চতায় নিয়ে যেতে মোদিজির ডাবল ইঞ্জিন সরকার প্রতিশ্রুতিবদ্ধ।

#WestBengal #SonarBangla #DoubleEngineGovernment #ModiJi #Development

[Parag Jain @pgjain22]

One political consultancy has already brought down 4 incumbent governments after supporting them. Interestingly, 3 out of 4 CM even lost their own seats, and only CM who managed to retain his seat saw his party win just 11 out of 175 seats!!
#AAP_TMC_YSRCP_DMK

[Amitabh Tiwari @politicalbaaba]

Rahul Ji our post on Results Day just crossed 1 million views — turns out quiet data work has a way of travelling very loudly 😄🙏
It’s breaking the “X”.
@VoteVibeIndia @CNNnews18

[Amitabh Tiwari @politicalbaaba]

IPAC advised two CMs - one in Bengal & other in Tamil Nadu.
Both CMs lost from their respective seats.

[News18 @CNNnews18]

Was SIR the reason behind TMC's loss in West Bengal?

How did the SIR deletions impact the Bengal polls?

How much truth is there in the vote-chori claim?

@RShivshankar, @AnchorAnandN and @politicalbaaba discuss

#WestBengal #MamataBanerjee #TMC #BJP

[Yashwant Deshmukh 🇮🇳 @YRDeshmukh]

I really lile the way he explains his numbers. It's never a dry number crunching, he comes with a reason behind it.. I have always maintained that reading glass half full or empty is most critical part of survey science. Amitabh does it in sober and balanced way. Congratulations to both of you. 👏👏👏

[News18 @CNNnews18]

#BengalResults2026 | In Malda, Murshidabad & Dinajpur, TMC wins weren’t just intact: they were huge despite voter deletions

So did SIR really swing the election? @politicalbaaba shares his views

#WATCH Numatrix with @AnchorAnandN

[Vote Vibe @VoteVibeIndia]

3.5 out of 4. Right where it matters.

Bengal ✅ Kerala ✅ Assam ✅

And in Tamil Nadu, we called out DMK will NOT win.

We saw it before anyone else did. When other pollsters played it safe, Team #VoteVibe put the numbers out.

That’s what data with honesty looks like.
@CNNnews18 @Network18Group
@politicalbaaba
#Election2026 #ResultsDay

[Amitabh Tiwari @politicalbaaba]

DMK will win 180-190 said some pollsters in opinion polls. Surprisingly they did not conduct exit polls.
Now CM Stalin loses his seat!