Aman Verma

Doing random Stuff 🛠️

[Aman Verma @amanv8060]

♥️

[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.

[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.

[Aman Verma @amanv8060]

@iabhishek_js not as of now.

[Aman Verma @amanv8060]

Folks, on my TL.

Looking to hire a backend Engineer for my team - need to be have the intent and curiosity.

Pay ~3k USD per month

Remote but looking to hire within Blr.

DM for details.

[Aman Verma @amanv8060]

thank you, folks!

I have received a lot of DM's, I will go through each one of them and reply over next few days.

[Aman Verma @amanv8060]

@kunalvats_ full time

[Aman Verma @amanv8060]

Startups in Bangalore be paying below/around legal minimum wage with no equity and wanting an employee to be more dedicated than founders.

[Aman Verma @amanv8060]

@srijancse 😂

[Aman Verma @amanv8060]

❤️

[Fold @foldmoney_]

Slid into 1 Lac+ club on Android Play Store ⛸️

[Aman Verma @amanv8060]

@HeetTike noice

[tk @heettike]

want to earn $10k in a month? show me how you'd add 20k users to @foldmoney_ .

2 ways:
a) execute -> show results -> take $10k if you get ~100,000 visitors to the app/play store page.

b) share your narrative, gtm strategy, icp & execution plan. anything goes - reddit, newspapers, vibe-coded apps, ugc reels, faceless channels, influencer, PR plays.

select few ideas gets $1k upfront. execute it successfully to take home $10k. spend 0%, 50% or all of it —your call.

NO DMs seeking lean, first-principles thinkers. standouts considered for head of marketing role. email plans to [email protected]

[akshaya @mygrains]

Bridging research & storytelling—I’ve worked across startups, think tanks, and media houses, crafting narratives that inform & engage. Now looking for my next adventure in media, comms, or digital strategy. Got leads, advice, or cool projects? Let’s talk! ✨ RTs = ❤️

[🦒 @srijancse]

if there’s one thing i’ve learned from working with early stage startups it’s this: share wealth with the people who are in the trenches with you. the sooner you understand this the higher your chances of making life changing $$

[Aman Verma @amanv8060]

Folks, looking to re-home a 12 month old golden retriever(primarily looking for families in Bangalore).

DM me for more details.

[🦒 @srijancse]

if a small misunderstanding turns a friend into an enemy they were never really your friend. just pretending to be one. real friends fight and disagree all the time.

[Aman Verma @amanv8060]

@notsothicccc

[Aman Verma @amanv8060]

Giving away a festival ticket of @NH7. Grants access to both the days. Please DM.

[Aman Verma @amanv8060]

@surivinam @srijancse It's a gradual rollout, so it should be available soon, if not already. https://t.co/9t9w0K0qtA

[Akash @meakaakka]

When you design and build your product, make it buttery. That will lead to all sorts of good things.
My man @shaktigoap must be happy seeing this from the top.

https://t.co/mpp6G2z6D9