Vipin Kumar Thakur

trying to be a good android developer

[Vipin Kumar Thakur @vipindroiddev]

After accepting new t & c of whats app:

[Sourav @Dutta_Souravd]

Age 25: ₹10L
Age 35: ₹1Cr
Age 45: ₹10Cr + retirement from job

What's stopping you from achieving this?

[Stutii @Sam0kayy]

🤣🤣🤣

[Tarun Narayanan @narayanan_tarun]

Update: Abdul Bari will be joining @AnthropicAI

[soo washed @anubhav__tweets]

Sanju Samson might've sold his entire career to the devil to play those three knockout gems

[pH @pHequals7]

Axis Bank has the chance to do the funniest acquisition in Indian Fintech history

[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.

[Sagar @sagarcasm]

Trying to find avsar in aapada

[Jorge Castillo @JorgeCastilloPr]

If you want to audit your Compose use, this skill is for you.

Run it against your codebase, get a score, a list of high priority things to fix, and a markdown report 💯

[Abhishek @MSDianAbhiii]

Indians have reason to support Argentina 🇦🇷 in FIFA World Cup

[Sanju ☢️ @SixerSanju]

Dint watch the match , but I can tell the pitch was flat 😭👍🏻

[Ajay @ajay_2512x]

Razorpay Interview Experience
Compensation: 34L base + 18L ESOPs
Position: SDE-2 (Backend)
Application Mode: Referral
4 Years of Experience

𝗥𝗼𝘂𝗻𝗱 𝟭: 𝗗𝗦 & 𝗔𝗹𝗴𝗼 - 𝟭
- Sliding window: longest substring with at most K distinct characters
- HashMap-based frequency grouping and anagram detection
- Follow-up: optimize for streaming data with memory constraints

𝗥𝗼𝘂𝗻𝗱 𝟮: 𝗗𝗦 & 𝗔𝗹𝗴𝗼 - 𝟮
- Graph problem: find all connected components in a payment network
- BFS vs DFS tradeoff discussion
- Edge cases: disconnected nodes, cycles, self-loops
- Time and space complexity analysis for each approach

𝗥𝗼𝘂𝗻𝗱 𝟯: 𝗟𝗼𝘄 𝗟𝗲𝘃𝗲𝗹 𝗗𝗲𝘀𝗶𝗴𝗻 (𝗟𝗟𝗗)
- Design a Payment Retry System
- Key requirements:
- Idempotency across retries
- Exponential backoff with jitter
- Failure state transitions
- Write clean OOP code with clear class boundaries
- Walk through extensibility and failure scenarios

𝗥𝗼𝘂𝗻𝗱 𝟰: 𝗛𝗶𝗴𝗵 𝗟𝗲𝘃𝗲𝗹 𝗗𝗲𝘀𝗶𝗴𝗻 (𝗛𝗟𝗗)
- Design a Webhook Delivery System
- Decisions:
- Guaranteed delivery and ordering guarantees
- SQL vs NoSQL for event storage
- Retry logic and dead-letter queues
- Scalability:
- Async processing with Kafka
- Rate limiting per merchant
- Observability and alerting

𝗥𝗼𝘂𝗻𝗱 𝟱: 𝗛𝗶𝗿𝗶𝗻𝗴 𝗠𝗮𝗻𝗮𝗴𝗲𝗿 𝗥𝗼𝘂𝗻𝗱
- Walk through your most complex backend system
- How do you handle disagreements on architecture decisions?
- A time you improved reliability or performance of an existing service
- What does ownership mean to you as an engineer?

[El_Bicho @iamrohitian45]

Nothing in my lifetime can make me hate Surya dada 🥺❤️

[Jaydeep @_jaydeepkarale]

Uber employees on-boarding themselves without HR

[TukTuk Academy @TukTuk_Academy]

- Kohli ruled out of Afghanistan ODI series
- Root dismissed for 1 run in Test match vs NZ

Sachin Tendulkar -

[Neha Sharma @hellonehha]

I used to wake up early 4-6am. Used to devote morning time to learn /revise hardest topics. I don't used to sit with clock. I used to keep going till I am able to focus.

ps: I used to prepare my study table a night before. So, that in morning I don't waste time in - where is my books, which resources, which topic etc.

After office, a lot of time there was no energy or time used to left.

Over weekend , I used to revise all topics I studied that week.

[Google India @GoogleIndia]

Never forget who was there for you in the 8th grade

[mariana Z @mariana057]

Physician: Your body has ran out of magnesium.

Me: 0mg

[Haydos🛡️ @GovindIstOdraza]

Reason why they have to write "White Ball"

[` @Itz_Ms7]

Nahh man ! This is embarassing 😭

Khud ki kamai Baap ki kamai