A programmer with a passion for cricket 🏏 | SRE | gopher | s̶h̶i̶p̶p̶i̶n̶g̶ /breaking stuff @brevo_official | #dhoni fan for #life | retweet random stuff
So if you're a young vibe-coder and you think you're going to get into an AI Engineering role, pro tips
- read your code
- learn to write tests.
See, everyone can now vibe code all kinds of projects but if your interviewer opens up one of your github projects and asks why you've got a function called isObject(), a blank stare isn't going to get you any points.
Now you might say that we don't need to know what the AI is writing any more and one can make the argument. I'd say you shouldn't be thinking like this till you can reliably build large systems.
And if you don't want to know what code is being written, you will need to have tests to verify the correctness of the program. Including performance tests, because a slow program is often the wrong program.
AI native engineering is about clearly defining outcomes and verifying they are correct. And you will have to verify them for every change in your system. Repeatedly. Automatically.
The AI can only ship features. Not breaking everything else is still your job. Knowing how the code does what it does is still your job.
If you can't do both of these things you're not going to make a compelling hire.
Boater who fell off the Santa Barbara coast reportedly swam for five hours toward an offshore oil rig, saying he felt guided by what he described as an “angel,” with a harbor seal appearing to nudge him along.
In January 2022, California sea urchin diver Scott Thompson fell overboard in the Santa Barbara Channel during a night dive and was left stranded as his boat drifted away. Wearing only a T-shirt and shorts, he was forced into a grueling five-hour swim through freezing 52°F waters toward the faint lights of a distant oil platform.
During the ordeal, a harbor seal appeared and stayed alongside him, at times nudging and circling as if to keep him going. Thompson later said the animal’s presence gave him the strength to continue when exhaustion set in. Guided by the platform lights, he eventually reached the structure and was rescued by workers, suffering from severe hypothermia and dehydration. He later described the seal as a “guardian angel.”
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.
#WATCH | Delhi: Visuals from India Gate capture the rare 2026 Blue Moon illuminating the sky over the national capital.
A Blue Moon refers to the second full moon in a single calendar month.
When you start making good money, save it. Especially in the beginning. Save as much as you can. You'll desire things. New car, new watch, designer clothes to show the world you made it. And dumb philosophies will try to justify it. YOLO, life is short. Don't pay attention. Don't change anything. Save for a few years. And one day you'll notice, the urgency is gone. The anxiety... gone. You go to a restaurant, and you stop looking at the right side of the menu. You plan a holiday and you don't wait 3 weeks for cheap flights. Someone made you an offer that doesn't feel right, and you say no without thinking twice. That's what happens when you overcome instant gratification. It will give you peace to move at your own pace. A little patience, that's all you need. And it will give you something that no material object can ever match: a calm nervous system.
Many have talked about how people are needlessly projecting a future for Vaibhav and either predicting how he will be found out or how if he is so good now, he will only get better.
I have a problem with all projections about Vaibhav. The nature of genius can be at times fleeting. Genius is not a fixed deposit on which you get to see the so called power of compounding in finance influencer terms.
Last time we propped up a teenage prodigy like that when we compared him to Lara, Sehwag, Tendulkar in his debut series itself and we all know what happened to him. Not everything grows northwards. Vaibhav may never play like he did in 2026 and he should know that it is perfectly fine. Or he may become the next Bradman and that's fine too. He should be (and more importantly we should be) content with getting to witness a genius at work even for one season even if that is all we ever get.
I can say this based on minor personal experience as well. I write code for a living. But I have never been able to code or problem solve as clearly or as effortlessly as I did in my teenage years. I have been told by people that "ohh based on how good you were, you should have done much more in tech". I had struggled with such comments and my own self appraisal of my career for several years.
It wasn't like I became a brat and didn't work hard or got into bad company or bad habits. None of that. It's just that my mind never ticked as gloriously as it did in my teenage years. It took years of maturity to accept and understand the fact that it wasn't in my control and I didn't owe it to myself or anyone else to do anything with my life, and also what I did was enough and I should be proud of being able to hold my own in a demanding profession for best part of two decades.
And I worry for Vaibhav coz if it took me so much effort to grow out of the shadows of self imposed expectations even as there were only a handful of people witnessing my life. How would the current national obsession handle it if he falls short of his own expectations. I hope it doesn't happen and he comes good on all the promise. But yea, I worry sometimes.