Kartick Gupta

eng @rapidobikeapp 🛵 | socially inept.

[Kartick Gupta @kartickgupta_]

my welcome in daily standups just to say “nothing from my side.” 🫠

[Kartick Gupta @kartickgupta_]

@AditiGo47916939 why?? what happened??

[Kartick Gupta @kartickgupta_]

gonna gatekeep this lovely cafe in Koramangla!!

[Kartick Gupta @kartickgupta_]

gonna gatekeep this lovely cafe in HSR (near McDonald’s) 🐻

[Nikhil Jois @nikhiljoisr]

Niche but hey this website is full of weirdos who get these things

[Kartick Gupta @kartickgupta_]

race timeeee from this lovely place 🏎️🏎️🏎️

[Kartick Gupta @kartickgupta_]

@doSwayamExist Heyyy that's relly nice 😂😂,
I have some for an alternate version

Job ko dhoondhne main chala
Job mila ba koye

referrals liye sab jagah se
but required skills na hoye 💔

[Kartick Gupta @kartickgupta_]

@ykukykykyk @cneuralnetwork I mean, Phurrr has just been a place only of starters for me, for anything else I just go across the road to Bombay Brasserie :)

[Kartick Gupta @kartickgupta_]

somewhere, a “while loop” just lost it’s job! 💔

[Carlos E. Perez @IntuitMachine]

https://t.co/CHEk211f7Y

[Kartick Gupta @kartickgupta_]

@holasaranyahere @mabhi1999 ^^

[Kartick Gupta @kartickgupta_]

whose gonna tell them? 🤡💀

[Mercedes-AMG PETRONAS F1 Team @MercedesAMGF1]

Always nice to meet some fans at @fosgoodwood 🤝🇮🇹

[Kartick Gupta @kartickgupta_]

@f1trollofficial Lewis has old tires - race doesn’t end in safety car.

Lewis has fresh tires- race ends in safety car.
what a joke 🤡🤡

[Kartick Gupta @kartickgupta_]

bhai itni neend aa kahan se rahi hai ??

[Hussein Nasser @hnasr]

In the end, AI will produce more bloated products for us to troubleshoot and fix.

If you are a good software troubleshooter who understands the fundamentals. you will be on high demand. And Your skillsets are deadly.

[Kartick Gupta @kartickgupta_]

ORR at 9PM, whyyyy? 😭😭

[Kartick Gupta @kartickgupta_]

@kunalb11 amazing! congrats @kunalb11!!

[Kartick Gupta @kartickgupta_]

exactlyyy!! till now only neural nets and LLMs were black boxes in terms of how they work internally but the way i’m seeing people using AI that time is not too far 😭😭

[Hitesh Choudhary @Hiteshdotcom]

Code will be like blackbox.

[Kartick Gupta @kartickgupta_]

heyyy…just got the update. reply on time and get rewards. nice one! 🍻

[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.