Journey before Credy
I started off my career with a corporate job. As part of my regular work there, I developed data-visualization based interactive websites/web-apps for financial institutes and energy companies. I always had a penchant for innovation through work which led me to get introduced to the startup community. Eventually, I got an opportunity to work for an early stage startup which was based on hyperlocal shopping. I was the first person to join there, after the founders and hence, got many opportunities to learn in couple of years.
How did Credy happen?
I was looking for a more challenging role with exposure to many more aspects of a startup and Credy being a Fintech intrigued me. I came to know about it through Angellist.
Interview experience with Credy
There were two rounds of interview followed by a programming assignment and further individual conversations with the founders – all of this took around 10 days. Overall it was good as I got to know about the company and work in detail.
Thoughts before joining Credy?
The very first thing I observed at Credy was the smooth blend of startup dynamics and professionalism. I had mixed thoughts during the interview but eventually, I liked the process. I was quite impressed by the technology products they had developed to support the lifecycle of a loan, and all of that in just about a year or so.
I received two offers on the same day – one from Credy and another from a security-based bigger startup. But my clear choice was Credy for I knew that I would be working with a great team, plus I would get to work for a Fintech which is interesting.
First Day at Credy
Was great! After the joining formalities were complete, I went on to learn about the projects, understand my core responsibilities, know teammates, set up my machine and observe the culture around.
The learning curve at Credy
Every project I have worked on so far has been unique. The work culture here encourages us to have an end-to-end understanding of the business, constantly improve our skills and innovate through it. I’ve had good learning while working on the project in which we built an SDK for our partners to offer a seamless integration of Credy’s loan application process on their platforms. It was a direct client facing project and offered multiple opportunities to learn.
Experience at Credy
One of the experiences worth noting is that even the simplest of my ideas or suggestions are respected. Also, everything I work on has an impact on business and that enables me to handle any project with a good sense of responsibility.
Most interesting project?
The social login/signup project. At first, it looked simple but as we dived into the implementation, some unidentified scenarios popped up and the logic had to be revamped to accommodate our criteria of customers. We did rigorous validation of all possible cases and the end result was good. Our customer base multiplied many folds after the feature went live. I am thankful for the efforts put by my teammate Ranvir to make it a success.
Funny moment at work
For testing or debugging my code, sometimes I add funny logs and later remove before pushing the code. Logs like “Yay”, “No way”, “I’m here Broh!”, “I’m sane” is a common sight there. 🙂
The first job you ever held at Credy
My first job here was to optimize the loan application form for the web-app. The goal was to reduce customer interactions and enhance user experience to improve customer acquisition.
The best co-worker with whom you enjoyed working and why
Everyone at Credy is talented, I believe. I particularly enjoyed working with our customer support executives while building the CredyBot. Their insights and experiences about their interactions with customers were worth listening. We worked on the suggestions given by them to implement a smarter algorithm for the Bot.
One of the perks of my job is…?
I get to learn about credit and finances on a regular basis, despite being in a technology role.
The favorite part of my work is…?
Solving engineering issues raised by the customer support team. The thought of being able to contribute my small bits to build a company that offers great services – makes it the favorite part of my work.
Another favorite is writing clean, reusable code. Not that I am perfect at it, but with every next project, I try to code better and really enjoy doing it. (I am also somewhat guilty of refactoring the code secretly! 😛 )
Choose the right Lender
There are many loan options – banks, NBFCs, online lenders, informal money lenders and so on. Not all are same, and not all would offer what your unique circumstances require. Identify your priorities – is it getting the money quickly? Is it having flexibility in loan terms and repayment options? Or is it saving interest cost? Here are some useful guidelines:
Based on your needs, you may prefer a lender who is fast and gives good service than a slower option with long opaque processes.
Customer support: But sir, why do you want just Rs 50,000? Your loan is approved for Rs 2,00,000
Me: Umm.. because I have to pay interest?
This actually happened when Harshit got a call from a loan company after he checked out their website. Loan companies will always want to give you a loan higher than your need. For them its simple economics – their processing costs are almost the same whether the loan is Rs 50,000 or Rs 2,00,000. So why not give the customer higher amount and earn more? As a customer, you have to make sure you borrow only the shortfall you have. Only the amount that you are lacking. This requires discipline, just as most financial best practices do. Another way a lot of our applicants end up over borrowing is trying to pay off one loan with the other. Don’t do that. You will end up churning loans and enter a debt trap. Borrow what you need. Anything more is giving your hard-earned money for free to lenders.
Repay on Time & To The Right Party!
This sounds obvious but sometimes is hard to implement. If you are facing financial troubles and don’t have the money to pay the personal loan EMI, you can do two things
Be careful to ensure you make repayments to the right party. Be extra careful when making cash payments. We had a customer who was paying his EMIs regularly in cash to a bank agent. Later he found out that the agent was not depositing the cash on time and using it for his own expenses! The customer’s credit history got permanently damaged because of that.
Make sure of the following when paying by cash:
Take care of above to a get a good deal on your education loan without affecting your long-term creditworthiness.
Journey before Credy
College life was great. Along with the usual fun, I met many awesome people who helped me to become the person I am today. At the end of the second year, I found some like-minded people, with whom I learnt a lot of new things. Along the way, I got selected for Google Summer of Code – 2017 for AboutCode organization in my third year and that gave me a great learning opportunity.
How did Credy happen?
Joining a startup with a product in mind was always the dream. I was applying for a lot of startup jobs on Angellist (getting your first job is always difficult) and one day my friend called and told me about the internship opportunity at Credy. I researched about Credy and really liked the work they were doing and quickly applied there.
Interview experience in Credy
There were two rounds of interview and one small programming assignment, which I completed within a day. I won’t say that I nailed it during the interview rounds but it was good enough. I could not answer some of the questions confidently, as both interviewers asked few data structure questions which caused a lot of problems for me 🙂 However, I got selected for a 6 months internship program.
Learning curve at Credy
The learning curve at Credy is very steep. I was introduced to a big and well-managed code base for the first time. It took me a while to understand the working of the code but once I got the hold of it I started appreciating things more. With the help of everyone in the team, I was able to complete things quickly. I learned the importance of breaking down the system into smaller chunks and pushing things on a regular basis.
Journey/Experience in Credy
I got good experience and learning during the internship. I faced a lot of problems during the internship but every problem was solved by iterating approach to the problem statement. A slight change in the course of thoughts can bring the solution to everything. After completing 6 months of internship I was offered to become a full-time member of Credy.
Most interesting project till now
The most interesting project (and most irritating also 😛 ) was implementing social login for new users into the Credy system. It took an entire day for me and my colleagues Krisha and Gauthama to figure out what was wrong and how that can be fixed. After so many iterations we were able to do that, but this project taught me a lot of important lessons which will definitely be useful in future.
One thing that you like about Credy
It is “Credy Insights”, where every Friday we all gather around over food and drinks and one of team member gives a talk and presentation about the new things/feature on which he/she has worked in past couple of weeks and gives a better idea about its usability.
One of the perks of my job is: Walking into the office in casuals 🙂
Mantra of life: Just keep doing it, One day it will happen.
Journey before Credy:
This is my first job. While I was in college, I started studying about Android in the second year, and I enjoyed it so much that, after that I was unstoppable. 🙂 I took various courses in Android like Google Certification course and received Associate Android Developer Certification by Google. It was a bit difficult because I was given just 2 days to complete an entire project, but it was really useful and gained a lot of knowledge after completing it. Like many others, I was not much interested in college lectures and was working towards making a career in Android Development. Placements in college were difficult for me because we were not having many companies which were offering Android Developer position. And then came Credy & rest is history.
Credy was one of the companies which came for placement in our college and was providing 6 months internship, which was a mandatory part of my B Tech in IIIT Vadodara. I was quite happy after listening about Credy and liked the work they do. And finally, there was someone who was offering a position of Android Developer.
Interview experience & Thoughts before joining Credy
I was quite nervous before giving the interview but with the friendly nature of interviewers, I was completely relieved.
There were 2 rounds of interviews. I liked the friendly and supportive nature of the interviewers. They helped me while I was answering the questions and gave me the confidence to speak freely. I was asked algorithmic questions and questions on Android ranging from the basics to very advanced.
I was sure to join Credy after my interview process because these guys were not only interviewing me but were also telling me where I was wrong, how should I work on it, etc. This gave me an idea about people I would be working with and thought that I will get to learn many things while working with them.
HR was also very supportive, and she was the one who answered all of my questions before joining and cleared my doubts.
1st Day in Credy
It was 1st Jan, starting of the new year with my career and it was quite good. I was introduced to everyone and then was given some initial work to understand the work atmosphere at Credy. I spent the whole day setting up my Credy Android App environment and reading the code. Gauthama was quite helpful in resolving my doubts.
Learning curve in Credy
Learning at Credy increases day by day. Every day you get to learn something new. The most helpful thing is mentors here reviews the code and give their inputs. Abhash Anand is the one who reviews my entire code and suggests changes which would be really helpful for the development process.
Journey/Experience in Credy
I Joined Credy as an intern and it was a very good experience as I got to work on a Production Level software. There are different challenges that you face while your software is in production. But facing these challenges and overcoming those, is the time when you really become a Software Engineer. After completing 6 months of internship I got an offer for permanent employment with Credy.
Myntra of life/work: Whatever you do, do with all your heart
Favourite part of my work is: Gradle build running
Work I dream of one day doing: Becoming CEO of the company
Over the past several months, our team had been working hard without break. Finally, we decided to take a day off and go for a team outing.
Being the coordinator for this event, I was entrusted with the task of identifying a cool place for the outing – a place where we can lazily chug beers, play some sports, and also relax by the pool. I searched few good places, enquired and took feedback from my fellow colleagues and finally chose the Guhantara Resort, which is built a bit differently, in caves. It was around 40 km from our office.
We gathered at the office in morning and boarded the minibus from there. Few of us wanted to enjoy the thrill of bike riding, so we drove to the venue on our Royal Enfields. But the busy traffic of Bangalore will never disappoint you 😛
Most of our Bangalore team in one frame
We reached the resort at around 9 AM. As everyone was hungry we rushed to the dining area and had a tummy-full breakfast. There was an inordinately high turnout of visitors when we visited, it almost felt like a wedding buffet!
Guhantara offered cricket and football for the enthu guys, a dance floor for the party animals, continuous supply of beers for the beer bellies, and all sorts of other activities.
For a while, we all played cricket, football, archery, and even did horse riding. Few of us roamed around and explored caves – the caves are maze-like and if there are no other visitors around, it would have been a Bhulbhulaiya, you could get lost easily 😛 Post 3-4 hours of outdoor games, as most of us were tired, we chilled near the swimming pool chugging beers and enjoying waterfall view. As beer went in, stories started coming out, which brought crazy smiles on faces around.
Ops guys are Rockstars!
Then hungry faces started looking for lunch and we had lip-smacking food.
As soon as we finished lunch, we all could hear loud music of DJ, and we could not stop ourselves from going into rain dance. Everyone was dancing insanely and enjoying the music beats. John, from our customer support team, was the man of the hour – people picked him and jostled him in the air.
After the rain dance, our ever-energetic Operations team dove head-on into the pool! We spent the evening relaxing in the water, doing chit-chat and clicking pictures.
It’s pool time!
Being forced to sit up for a photo. People just want to lie on the lawn after lunch! 😛
Overall, the place was bit crowded but as the whole team was together, we enjoyed a lot. Everything there had its own charm whether it was the ambience, the food or the drinks.
On our way back in the evening, the bikers among us were greeted with gentle rain. It was a thrill to ride back on the Electronic City flyover, and finally, there was no traffic and just an endless empty road with the wind hitting our faces!
It was a very special and fun-filled day – we as a family came together to celebrate our hard work.