Urja Jobanputra

AI by profession, cat mom after hours.

[Urja Jobanputra @UrjaJobanputra3]

I’m sure you weren’t thinking about a quarter of this century about to end until you read this

[Urja Jobanputra @UrjaJobanputra3]

@nakshlife More like a many status society

[Urja Jobanputra @UrjaJobanputra3]

@suni_code Prolly chilling on a beach in miami with all the esops

[Urja Jobanputra @UrjaJobanputra3]

@mansi__GPT In the AI era, SWE

[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.

[Urja Jobanputra @UrjaJobanputra3]

My hunch around Elon Musk being the next Vishnu avatar is growing

[Urja Jobanputra @UrjaJobanputra3]

@renabaddie_ Oreo

[Urja Jobanputra @UrjaJobanputra3]

How do we save Indians unaware of how AI is replacing them? They barely ever went to school :((

[Howie Liu @howietl]

We’re giving away $10,000,000 to founders building agent-first businesses.

Autonomous, proactive agents will run tomorrow's companies.

We're backing 500 founders building them.

The Founding 500.

https://t.co/u8mxRWEXiT

[Urja Jobanputra @UrjaJobanputra3]

Google has changed all logos and it’s taking me 5 seconds to find calendar from the google tray , hate it

[Urja Jobanputra @UrjaJobanputra3]

Google inviting influencers to I/O so they can create videos of the releases made but hey i doesn’t veo 3 have more reach?

Would be so cool to see influencer robots sitting there instead

[Google @Google]

We’re partnering with @Samsung, @_GentleMonster_ and @WarbyParker on new intelligent eyewear.

Here's a sneak peek at two designs from this fall's upcoming collections.

#GoogleIO

[Urja Jobanputra @UrjaJobanputra3]

@GabbbarSingh A new version of pokemon go that spots these owners would be fun @Swatch

[Gabbar @GabbbarSingh]

All these guys are running to buy a Rs 41,000 watch. You might argue, they look like the 3rd pillion rider of a Splendour in a Small town, how can they afford to buy this watch?

They can’t. But they know, it’s sought after, so they will resell for profit

[Anuradha Tiwari @talk2anuradha]

My appeal to PM Modi-

In order to save petrol & diesel, please make it mandatory for bureaucrats, MLAs & MPs to use public buses and metro instead of large convoys.

It will also be a good opportunity for them to experience world-class infrastructure they are building for us.

[Urja Jobanputra @UrjaJobanputra3]

Mota bhai Didi ko taana maar rahe hai toh thode maze aa rahe hai😂

[Urja Jobanputra @UrjaJobanputra3]

@In_Sane_Saint You don’t look like a gen z

[Urja Jobanputra @UrjaJobanputra3]

Will people like @finkd and @JeffBezos chase longevity first so they don’t miss out on the AI century👀

[Elon Musk @elonmusk]

They stole a nonprofit. It’s not right.

[Urja Jobanputra @UrjaJobanputra3]

@xoaanya Use 1 million worth of tokens to get there

[Urja Jobanputra @UrjaJobanputra3]

@tankots But most are glued to Instagram and Twitter instead of looking at the road