Shourya Agarwal

Brand Partnerships | Always up for good food and great conversations !

Category & Partnerships at CRED

[Shourya Agarwal @iishourya]

@ankita_gane It’s going worst dude! Better avoid some days

[Shourya Agarwal @iishourya]

Again same situation!! Who is accountable for this ? @blrcitytraffic

[Shourya Agarwal @iishourya]

What’s happening with Bellandur lake road? 30mins for 1 km? Same thing from last 3days @blrcitytraffic @BlrCityPolice @bellandurutrfps

[Shourya Agarwal @iishourya]

@Ravisutanjani IDFC, regular calls

[Shourya Agarwal @iishourya]

It will be hard to catch you now Mr shah! @kunalb11 Congratulations for the big leap! 🚀

[Shourya Agarwal @iishourya]

CRED 🚀

[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.

[Shourya Agarwal @iishourya]

@itsydesigns Hey how are things at Swiggy now ?

[Shourya Agarwal @iishourya]

@SejalSud HSR, kormangala and Indiranagar, you will cover most of it!

[Shourya Agarwal @iishourya]

Chat GPT ka comma toh hta dete bhai!

[Lucknow Super Giants @LucknowIPL]

Official announcement.

[Shourya Agarwal @iishourya]

Gift? Manufactured from his own money?

[Devendra Fadnavis @Dev_Fadnavis]

Loved travelling from Mumbai to Shirdi by Bharat’s very own #VandeBharat express.
Thank you Hon PM @narendramodi Ji for this gift to our Nation!
@AshwiniVaishnaw @RailMinIndia

[Shourya Agarwal @iishourya]

Slow drip ! Seems like everyone is ok with 5 rupee price hike on petrol within 10days!

[Shourya Agarwal @iishourya]

@Ravisutanjani What about Cred?

[Shourya Agarwal @iishourya]

to make up for his mistake he make U turn and took cab back to airport road till toll post!!

@Uber_India tell a solution for this? I m not going to pay a single penny for this shitty service.

[Shourya Agarwal @iishourya]

@Uber_India you black service is just sooo bad that drivers don’t even care about the what they are doing here is the series of incidents-
- I booked uber black for my in-laws ( first time in BLR) from airport to Bellandur.

[Shourya Agarwal @iishourya]

Drive didn’t even start the trip because he was taking a non toll road.
- when we called him he was like network nhi h and toll road has lot of traffic today ( lame exuse by every cab drive)

[Shourya Agarwal @iishourya]

@AjmerpoliceR @spgrpajmer The unbearable loud music & noise from a magic show in our area has made it impossible for residents to rest, study or work. This is a clear violation of noise norms. Requesting immediate action to stop this nuisance.
- Petrol pump Vaishali Nagar.

[Shourya Agarwal @iishourya]

@AjmerpoliceR @spgrpajmer The unbearable loud music & noise from a magic show in our area has made it impossible for residents to rest, study or work. This is a clear violation of noise norms. Requesting immediate action to stop this nuisance.
- Petrol pump Vaishali Nagar.

[Shourya Agarwal @iishourya]

@Jointcptraffic can you pls help people stuck here ?

[Shourya Agarwal @iishourya]

@blrcitytraffic what’s happening not able to move a single inch from last 30mins and still show completed red and blocked. Can you pls share an update on this? Location - Bellandur lake road!