Heet Sheth

Sports geek | Finance Enthusiast | Professional Procrastinator

[ChocoTribe 🇦🇷 @Debbybruno3]

Something happened in India 😭

[le.hl @0xleegenz]

Ford engineers coming back to work, realizing they did more than an AI ever could and still got fired

[Heet Sheth @HeetSheth8]

Final boss of Clickbait😭

[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.

[Aviral Bhatnagar @aviralbhat]

https://t.co/lye1puttMm

[Heet Sheth @HeetSheth8]

Is that Babar Azam😭

[Explorer @DailyExplorerX]

A 22-23-year-old Gurugram-based web developer named Himanshu Jangra lost his job after a crude joke he made at a stand-up comedy show went viral.

What happened:

> At comedian Pranit More’s live crowd-work show

> Himanshu shared that he went on a date with a slightly older woman, and they shared a plate of chicken biryani that cost him ₹370

> He jokingly said something like “Paisa vasool karna padega” (I’ll have to recover the money), implying he expected sexual favors or to take advantage in return for the small expense.

> The comedian laughed and amplified it

> The clip spread rapidly on social media, sparking outrage over entitlement, misogyny, and treating women transactionally (“₹370 biryani” became a quick meme)

> Many called it a “rapey” or predatory mindset disguised as humor.

Aftermath:

> His employer (Starvik Design, a Gurugram-based company) fired him after the video went viral. They cited damage to the company’s image and reputation. Notably, there were no complaints about his behavior at work, he was described as professional

[Heet Sheth @HeetSheth8]

@investorniti Blood bath tomorrow?

[Silentum 🦁 @xKhalifan]

FAKE IT TILL YOU MAKE IT

Become arrogant. Make others gossip about you. Break social rules. Be unapologetic about your actions. Act from your highest will. Remain hopeful no matter what. Walk like you own the place. Move like a winner. Rest because you deserve it. Get things because you want them.

Reality responds to those who live as if they already have the things they’ve always wanted.

Hard work is a lie.

Let reality bend to your will.

[Jay Yang @Jayyanginspires]

Whoever builds an actual durable solution to doomscrolling will be a multibillionaire.

[Heet Sheth @HeetSheth8]

All these bullshit is strengthening BJP further by dividing the votes of left liberal demographic. Surely BJP is behind this😂

[Cockroach Janta Party @CJP_2029]

World’s largest party they said🤭

[Heet Sheth @HeetSheth8]

@Aman81407075 @Tanmay_31_ Yeah valuation-wise lots of scope left on table

[Heet Sheth @HeetSheth8]

@Aman81407075 @Tanmay_31_ Gold sector in general looks bad for next 1-2 years due to its direct correlation with oil prices

[Heet Sheth @HeetSheth8]

All credit goes to @Shehzad_Ind ⭐️

He paved the way for him to fulfill his dreams and pursue higher education.

[Sai Deepak J @jsaideepak]

1. Just got off a call with @UnSubtleDesi. I couldn't be happier for her and both of us couldn't help but discuss the harrowing days of post poll violence in West Bengal in 2021. So I am going to share what happened five years ago just so ppl know what happened. #WestBengal2026.

[Chota Don @choga_don]

Himanta Biswa Sarma shared his first priority after winning again

"Sabse pehle khera ko pelunga" 😂 😭

[Heet Sheth @HeetSheth8]

@mishmanaged_ Why does he look like Andrew Tate with hair

[Heet Sheth @HeetSheth8]

@naval_0511 Ayush Shetty

[Heet Sheth @HeetSheth8]

Japanese invasion of Bangalore was not in my cards for 2026😭

[Ichigo A Panchal 👁⃤ @banana_sethhh]

Nearly half of bangalore is occupied by japanese, what the hell did I miss in past two years 🤨

[Heet Sheth @HeetSheth8]

It is okay to disagree with a political party, but insulting someone like Ajit Doval, who has served the country during critical times, while praising a criminal like Atiq Ahmed with documented links to terrorist networks, is where one should draw a line.
#Dhurandhar2‌TheRevenge