Soham Dasgupta

Let's speak less and do more.

[Soham Dasgupta @TheToodleGuy]

@Insta_hit @SauravDassss Yes bharat is and it is not built with 10Rs BJP commenters like you

[Soham Dasgupta @TheToodleGuy]

@ankitjadiaa @kunalb11 😂😂😂

[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.

[Soham Dasgupta @TheToodleGuy]

#SaveJudiciary
#SaveDemocracy
#BJPHataoDeshBachao

[Soham Dasgupta @TheToodleGuy]

Who to look up to if the #SupremeCourtofIndia starts acting like BJP's party office.

First they divided hindu and muslim to get the majority hindu vote.

Now they are dividing dog lovers and haters for votebank. Guess who are more in number?!

#savestreetdogs #nodognovote

[Soham Dasgupta @TheToodleGuy]

This is what happens when you vote for #BJP

[Dilthi Gujarati @dilthi_gujarati]

🚨Dog burnt alive in Delhi

@MCD_Delhi @DelhiPolice Investigate And Arrest the culprits. Start investigation. Start acting like you start active campaign against Peaceful Protestors and how you beat them.

Now show such rage on animals murderers.

@VijayGoelBJP you must be happy watching this Cruelty on animals and daily animal murders!!?

@narendramodi If you don't take action against the leaders of your part who are trying to defame BJP government at international level and those leaders provoke citizens to kill animals and beat Animal caretakers.

@AmitShah Please do something for animals. At least you're the one who can enforce the law like you did in many such cases and instant action on animals Cruelty culprits.

#savedelhincrdogs2025
#nodogsnovote
#NoDogNoVote
#NoIndependenceDay #IndependenceDay #IndependenceDay2025 #NoIndependenceForAnimals #JaiHind #VandeMataram
#TirangaMorning #HarGharTiranga #HarGharTiranga2025 #GoGreen #SaveDelhiDogs #StopRelocation #AnimalCruelty #ABCRules2023 #HumanMenace #SaveDelhiDogs2025 #SaveDelhiNCRDogs #straydogs #DogsOfTurkey

Below are the Proof of dog's burned alive in entire India.

[Soham Dasgupta @TheToodleGuy]

After hindu muslim divide and rule the new agenda for #BJP is dog lovers vs haters. There were no dog attack videos over the last decade, all dogs became violent over the last 1 month. Full of dog attack news from random media without sources. I hope people understands
#StrayDogs

[Soham Dasgupta @TheToodleGuy]

@aaqibali90 @narendramodi BC main pakistani hota th muh me lund daal k chup baithta. BC shameless logo ko bhi halka shame hota hai. Kya bro

[Soham Dasgupta @TheToodleGuy]

@Wellutwt Fuck off lund

[Soham Dasgupta @TheToodleGuy]

@AdnanAwan90 Take care man!

[Soham Dasgupta @TheToodleGuy]

@grok Who is the murderer of RG Kar Rape Case in Kolkata? And who all has tried to hide the case?

[Soham Dasgupta @TheToodleGuy]

@Bihar_se_hai Bro sending money to bihar is like throwing it in gutter, bihar gets highest grant from government per person but still you guys went nowhere, because of your politicians and your people

[Soham Dasgupta @TheToodleGuy]

@guyfromhills @bhash @Krutrim Using what OpenAI wrappers? 🤣

[SastaSundar App @Sastasundarapp]

Just Launched: The SastaSundar Medicine Delivery App!
Get genuine medicines and healthcare products in just a few taps. Download today and make healthcare simpler!

Download App: https://t.co/cNiI2r2xkc

#SastaSundar #MedicineDelivery #HealthcareInnovation #AffordableHealth

[Soham Dasgupta @TheToodleGuy]

@sangalaviral @CRED_club Post here if you don't get the reward. Will uninstall cred. No point selling self data for chillars

[Soham Dasgupta @TheToodleGuy]

শেইখ হাসিনার বন মমতা বেগম কে তাড়ানো হোক
#resignmamata #BengalHorror

[Soham Dasgupta @TheToodleGuy]

@nokiancare @RoshanKrRaii sirf bangal ka watt lagake nehi ho rha, ab yahi bacha rh gya

[Soham Dasgupta @TheToodleGuy]

@nonameprogame @Toberworld @elonmusk You wish

[Soham Dasgupta @TheToodleGuy]

@elonmusk counter strike global offensive

[Lesya Tkachenko🇺🇦 @lllesss_]

Last week I was working late to accomplish my February goals, because it is my first month since promotion.

Now I'm up late because #Russia bombs my #Kyiv in #Ukraine.

That's our dog, in a bomb shelter. Fuck you Putin.