Gopal

I'm the star of my own life.
#Learning from machine & teaching to machine , Distributed systems, Software Engineer

[Gopal @Venu_Thoughts]

can't wait to Indiamaxx again

[Mayukh @mayukh_panja]

can’t wait to euromaxx again

[Florian Darroman @floriandarroman]

9 steps to get rich with a SaaS:

> Launch a SaaS
> Get your first customers with founder-led marketing
> Delegate boring marketing to Distribb (SEO / GEO)
> Let it compound while you shape the product
> Improve the product from customer feedback
> Reduce churn
> Analyze what channel works the best
> Double down on it
> Now SEO and GEO brings you customers on autopilot

You're rich.

[Gopal @Venu_Thoughts]

@pritishposwal Main issue to girlfriend wala hi hai. Umar hi aisi hai

[Gopal @Venu_Thoughts]

Nothing is more important than time ,not even money

[Vineeth K @DealsDhamaka]

Many are wasting time watching reels in India

Time is money 💰

[Gopal @Venu_Thoughts]

@alisawuffles Congratulations 🎉

[Gopal @Venu_Thoughts]

You can build products that reward users for paying their credit card bills on time. People once questioned the relevance of Creed Coins and now amazed to see Kunal joining Meta as WhatsApp CEO. You never know what the future holds. You can just do things !

[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.

[Gopal @Venu_Thoughts]

@kunalb11 Congrats 🚀🎉

[Gopal @Venu_Thoughts]

@maharshii @Raj_ghj Do it next month .will attend !

[Gopal @Venu_Thoughts]

@Hi_Mrinal That's really cool

[Gopal @Venu_Thoughts]

@VazeKshitij Once again congrats !

[Sayak Paul @RisingSayak]

Some notes on what someone can do for building chops in ML x open source x modeling:

• Take a popular pre-trained model implementation, profile it, spot the bottlenecks, & try to improve its speed-memory trade-off -- it's a valuable skill that any sane hiring manager should understand and credit (they are probably not legit if they don't). https://t.co/bMr7UG8fVP is a good example of this.

• GPUs are in short supply. So, try reimplementing it in JAX, leveraging its strengths. Make it run on TPUs, blazing fast 🔥 -- this will help you establish that you care about performance and are comfortable switching stacks when needed. https://t.co/XCx5e4k0st is an amazing example of this.

• In the context of an organization, communication is the key. Make sure you document your experience in an easily digestible way so most folks would understand what you achieved. Provide numbers on benchmarks, mention assumptions, and whatever limitations you faced and how you approached them.

• Get a pro subscription to whatever AI coding assistant you think works the best for your stuff. Make it a part of your workflow, but DO NOT become overly reliant on it. Have enough juice in the process so that you can build muscle memory and objective evidence of your intellect over time.

• Have fun!

It gives me a sense of joy and relief to know that back in the days, we did all of it happily WITHOUT any AI coding assistance. Lots of fun, despair, and anxiety -- but all worth it; 10/10 -- would do it again!

[Elon Musk @elonmusk]

@iam_smx *trillioniare

[Gopal @Venu_Thoughts]

@VikasAlwys Inspiring !

[Gopal @Venu_Thoughts]

Playing football in the rain is always a special feeling
-Bengaluru rain & kids

[Gopal @Venu_Thoughts]

@HaimantikaM Would like to be part of grp

[Gopal @Venu_Thoughts]

Patna boy is co-founder & everyone else is either an employee or a professor
IIT-JEE 2008

[Indian Tech & Infra @IndianTechGuide]

🚨 IIT-JEE AIR 1 toppers current status.

2000 - Professor at IIT Kanpur
2001 - Google employee
2002 - Oracle employee
2003 - VP at Deutsche Bank
2004 - OpenAI researcher
2005 - Professor at TIFR Mumbai
2006 - Reader in Physics at ICTS
2007 - Morgan Stanley director
2008 - Co-founder of Osfin
2009 - Atlassian employee
2010 - Researcher at ETH Zurich
2011 - IAS officer
2012 - Strategist at Tower Research
2013 - recently finished Postdoctoral
2014 - Researcher at University of Penn
2015 - Cadence employee
2016 - WisdomAI employee
2017 - Trader at Optiver
2018 - Trader at Jane Street
2019 - Samsung employee
2020 - masters at MIT
2021 - Tower research employee
2022 - currently at IISc Bengaluru
2023 - IIT Bombay CSE

[Gopal @Venu_Thoughts]

@VazeKshitij Congrats 🎉🚀

[Gopal @Venu_Thoughts]

Anyone in Bangalore ?

[kshitij vaze @VazeKshitij]

BTW, as soon as I get a 2 wheeler, I have an open offer for you lot in Pune.

Every Sunday, if you'd be down for it, I volunteer to meetup and take you for a day out in the city. It can be to visit a historical place, or a famous food spot, or anything else that we can come up with.

It'll be fun to meet new folks, and gives me an excuse to explore Pune as well. Forget about the fuel and all, I got that. You lot just pay for your own food (if we get some), and that's all.

Who'd be interested?

[Gopal @Venu_Thoughts]

Deep insight :
Motto is to reduce suffering

[amul.exe @amuldotexe]

Hypothesis:
A lot of life is suffering. some suffering can be tolerated; some cannot be. your main job is to realize what suffering you don't want to have. that will tell you automatically what are the limited number of things you can do so that you can avoid that intolerable kind of suffering.

[Gopal @Venu_Thoughts]

@ajeetprssingh Try to travel pokhra .Stay at least 1 day there

[Gopal @Venu_Thoughts]

@pritishposwal Congrats 🎉