CRED is a Bengaluru-based consumer fintech company founded in 2018 by Kunal Shah. It began as a members-only platform rewarding creditworthy Indians for paying credit card bills and has expanded into UPI and bill payments, credit monitoring, lending, insurance, wealth management, commerce and lifestyle products. Its products include CRED Cash, Kuvera by CRED, CRED Pay, CRED Garage and credit-score tools. CRED says 17 million members engage with its products monthly and that it processes more than 40% of India's credit card bill payments. Its lending business manages more than ₹24,000 crore in assets for partner financial institutions. In 2026, CRED also received RBI authorization to operate as a payment aggregator.
CRED offers candidates the opportunity to work on consumer fintech products operating at substantial scale: the company reports 17 million monthly members, more than 40% of India's credit card bill-payment volume and ₹24,000 crore in managed lending assets. Its 2026 $900 million Meta-led Series H provides significant capital for further growth. Engineering teams work across more than 2,000 repositories and 500 microservices, while CRED's internal codelens platform uses Amazon Bedrock, Amazon EKS and 400+ AI agents to support software development. The company is also expanding across payments, credit, lending, wealth and AI products, offering technical and product problems spanning regulated finance, distributed systems, security and large-scale consumer experiences.
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Kunal Shah founded CRED in 2018 after previously co-founding digital payments company FreeCharge, which was acquired by Snapdeal in 2015. He studied philosophy at Wilson College in Mumbai and has extensive experience in consumer fintech and startup investing. In June 2026 he stepped away from CRED's operating CEO role to lead WhatsApp globally at Meta, while remaining CRED's founder and shareholder.
Miten Sampat became CRED's interim CEO in June 2026 after leading strategy and finance at the company since 2020. A Virginia Tech alumnus with a computer science background, he previously held leadership roles at Times Internet and worked across technology, product and strategy. He now leads CRED as it expands its financial-services portfolio and prepares its organization for an eventual public-market journey.
CRED Newsroom
CRED launched Circle by CRED in beta, enabling members to have paid one-on-one conversations with more than 100 selected Residents across careers, money, wellness and relationships.
Read articleCRED Newsroom
CRED introduced an AI-powered credit coach that provides personalized explanations and guidance using members' credit profiles, along with alerts when their CIBIL reports change.
Read articleCRED Newsroom
CRED announced a roughly $900 million Series H led by Meta at a $4.5 billion post-money valuation. Founder Kunal Shah stepped away from the operating CEO role and Miten Sampat was appointed interim CEO.
Read articleCRED Newsroom
CRED detailed its internal codelens engineering intelligence platform, which uses Amazon Bedrock and more than 400 specialized agents across a technology estate containing over 2,000 repositories and 500 microservices.
Read articleCRED Newsroom
The Reserve Bank of India granted final authorization to CRED group company Dreamplug Paytech Solutions to operate as a payment aggregator, allowing it to onboard merchants and directly manage payment collection, settlement and refunds.
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