Profile Feature: Credy Champion Krisha!


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! 😛 )

Profile Feature: Credy Champion Ranvir!


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.





Profile Feature: Credy Champion Chahat!


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.

How Credy?

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


Team Outing!

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 😛

IMG_20180901_175828Most 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.

IMG_20180901_123508Ops 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!

IMG_20180901_145238Being 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.


Mili Bavariya


Profile Feature : Data Warrior Kshitij!

It’s funny and surprising how life is made up of little moments which go on to make the bigger picture, the story of our life. So let’s talk about my story.

Kshitij pic

Journey before Credy

Right after completing my graduation in 2016, I landed at Goldman Sachs as an Analyst in the market risk modelling team. Being my first foray into the corporate world, everyday was full of new experiences. The thing I liked the most was, despite the fact that the whole environment at Goldman Sachs was performance driven and fast-paced, a culture of sharing information and growing together was promoted. I learned a great deal about statistical modelling from my brilliant and hardworking seniors in the team. In fact, that is how I came to know Abhash (CTO, Credy) who told me about the opportunity at Credy.

Thoughts before joining Credy

To be completely honest, joining Credy was not an easy decision. On one hand, there was the lure of a stable corporate environment and on the other, an unknown environment that demanded me to move out of my comfort zone. Ultimately, the idea of working for an early-stage start-up trumped everything else. I felt every action of mine will be playing a vital role towards the long term success or failure of the business and that motivated me to join Credy.

Learning curve in Credy

Learning opportunities are a constant in life and Credy is no different. Despite the breakneck speed at which the work takes place here, people here are always willing to help if you ask. Personally, I love understanding the nitty-gritties of all parts of the business operation either through constant interactions with the founders or projects spanning the different aspects of the business. So far, I have worked on automating the loan underwriting process, generating portfolio metrics for the executive team and building collection scorecards for the operations team. It feels like putting a different hat at work everyday and hence, the excitement levels never die down.

Journey/Experience in Credy?

One of the important constituents of a memorable journey are the people you undertake that journey with. At Credy, I am surrounded by a fantastic group of people don’t come across as your normal co-workers. They are more like friends working together towards a greater goal together. The culture here is quite open and transparent and I feel that my opinions and suggestions are valued in every discussion regardless of the business aspect it pertains to. How we learn to adapt in the constantly changing work environment here has also reflected a similar change in my personal life as well.

One of the perks of my job is: coming to work in casuals. Credy’s office is near to Koramangala and that allows me to slip into any party after work in the night 🙂

My favorite part of my work is: that everything I do here has a visible impact almost instantaneously. The knowledge of the fact that everyday we are helping in realizing numerous dreams come true gives me immense satisfaction.

My commute to work entails:  varies from having breakfast in the cab, taking a power nap to watching highlights of the Real Madrid / Federer match last night (Barcelona match also if they lost :P)

My Mantra in life: “Fall, Learn, Repeat”. I start out with a simpler solution to a problem, think on my feet if it doesn’t work and then try out different solutions till I get a satisfactory result.

Profile Feature : Credy maverick Ashwin!

My Story

A ping and notification bounce from Slack. A heated discussions in the backend channel about efficiently resolving production errors. Static typing? More integrations test? Ideas being tossed around. All in a day’s work at Credy. So here is my story.

Journey Before Credy

My previous gig Enguru – an English learning application which helped users learn the language through carefully designed adaptive games, had been the steepest learning curve in my career so far.

Despite being a niche market, with several other competitors, the app had taken off pretty well with over 2 million users. With over 20K daily active users, we had our hands full with implementing new features, while handling the scaling issues and other woes that came along with it.

Challenges never ceased to sprout at Enguru, all the way from internal dashboards for Corporate Analytics, EnguruTalk – an online tutoring platform, right down to Chatbots that interacted with users; keeping me always on my feet.

Thoughts of changing

After a while, when things started to settle down at Enguru, and every day seemed to be another Déja Vú (refer Urban Dictionary), I decided that it was time to seek out another adventure, and a different scene.


How did Credy happen?

I had applied to two dozen other Fintech and SaaS startups over few days on Angellist. After weeks of gruelling interviews (several good, some bad and few really horrific ones), I came across Credy – an online lending startup that was still less than a year old then, Y Combinator-backed, and working on automating almost the entire banking process. Sweet!… I knocked.

After several rounds of really long interviews, spread over a couple of weeks, I strolled into the office, on a hot August afternoon, in khaki shorts and a worn-out t-shirt, and signed my contract. I was officially, a part of the team.

Me as a part of Credy

“Welcome to Credy! We are happy to have you as a part of our team”, said Pratish.

First day on the job, I dove right into understanding the levers and gears of Credy, or more specifically – the backend service. Though it reflected a custom banking service, I was fascinated by the automation that was built/ being built into it, all the way from processing a loan application, to transferring money between virtual bank accounts mapped to individual customers.

Challenges at Credy

Over six months aboard the ship, we surge forward through harsh waters, with no sign of slowing down. We quarrel, criticise, build and improve. Given a free reign to work on side projects within the company, I treated myself to a slice of everything – from tinkering with the frontend web-app, designing posters for sales, all the way to securing the infrastructure for the servers.

The main projects were never a drag either, with all sorts of new challenges that came along.

I found myself building tools to help our men on the field, algorithms to manage auto debits from user accounts, managing documents uploaded by users, helping out with integrating with lending partners, and many more.

Since GOT is a pretty big deal at CredyWhen you play the game of clones, you merge or you reset – hard.

What’s a usual day at work at Credy?

Every morning, I open up the Google Sheet with the list of tasks assigned to everyone (Yes, Sheets seem to beat every other Project management tool out here!), only to be greeted by a long pipeline of tasks, stretching towards the end of May.

Things to improve, new technologies to try out, more code to refactor, more users to handle, servers to scale, security to patch up and plenty of data to crunch. And I know, “Today is gonna be a good day!”

Profile Feature : Credy Champion Sourav!

My Story


Journey before Credy:  

I was trying to gain admission in post-graduation when I got my first job in a payments start-up based out of Mumbai. Where I learnt how a server-client architecture works outside of university textbooks. Even though I was working on the Android app I was very interested in the backend side and never missed any opportunities to learn as much as possible. Then I picked up understanding in UI/UX, a little bit of designs. I learnt a lot of building and deploying Android apps and was eager to learn things like redis, nodejs given that we were using those to build our backend.

Later I moved to a mobile security start-up based out of Bangalore as I was getting an opportunity to work as a Backend engineer with a very small and smart tech team. This is where I started learning backend integrations, building APIs, adding to the existing architecture. Given the people in the team were really connected with different start-up, developer communities this is where I also got to meet different people and know a lot of different things about start-up’s outside development as well. 

Unfortunately, all good stories come to an end and I had to leave for my hometown because of some personal reasons for a few months. The next one year I tried working remotely as well as in some other companies however I was disappointed mostly with the quality of work I was doing and hence decided to look for something better.  This is when I came in contact with Harshit, and eventually, Credy happened 🙂

Journey/Experience in Credy:  

I joined Credy right at its beginning thinking, this might be a place of learning and I was absolutely right. I have seen it growing from zero to the level it is today. The environment here is always very encouraging and I have learnt so many new things which I did not experience earlier professionally. The thing which I liked most in my peers is the motivation level they have. From the founders to the interns I have learnt so much from everyone and hope this continues.

Learning in Credy:  

I have learnt so many new technical things, listing down few of them:

         We had to integrate with a lot of services and other organizations which were not very tech focussed. These integrations had a lot of undocumented things, unexpected behaviours and ambiguity. Understanding and correctly estimating these problems can only be done after experiencing these difficulties multiple times. While addressing these problems, my understanding has improved in authenticating HTTP requests with certificates, understanding the signing of certificates, expected data structures, etc.

         Apart from this I gained good knowledge in infrastructure related work and trying to automate things at as many levels as possible.

         Our attempts to keep the code structure clean and easy to understand has improved my ability to write better code immensely.

         Being a financial company, we faced issues in handling a large amount of data and structuring them, at the initial stage. To solve that we started with very simple relational structure and tried to improve that at different points in time, this has given me a bigger picture of database architecting.

While most of my learning is on the technical side increasing my knowledge I have learnt a lot about the finance domain outside development as well.



Profile Feature : Credy Champion Soumya!

My Story

Soumya 2

Journey before Credy:  

I started my career in finance by joining a leading Indian bank as a Credit Manager. Being new to the retail lending world, my first job gave me a solid foundation in understanding the retail lending process apart from helping me develop the basic soft skills which are equally important in the corporate world.

 Journey/Experience in Credy:  

I came across an interesting article about Credy on TechCrunch and was curious to know their working model and most importantly the collaboration with Y Combinator. I decided to drop an email to Harshit to enquire about a possible opportunity and as they say, the rest is history 🙂

I have been with Credy for the last 9 months and the journey so far has been phenomenal. The best part about working with Credy is the flexible & friendly work environment it offers. My co-workers are very friendly and are always there to help me out whenever required. There is an open channel of communication between the employees and the CEO, COO & CTO of the company and your suggestions will never go unheard.

Credy focuses on getting the work done on time rather than stressing on the number of hours physically spent in the office. This has helped me strike a good work-life balance and enabled me to pursue my personal hobbies as well.

Learning curve in Credy/Things you learnt working at Credy:  

Coming from a non-technical background, while building some of Credy’s fin-tech products, I have had to don the hat of a Product Manager right from product ideation phase until launch which has helped me learn the technical aspects of product development. By taking ownership of tasks outside my comfort level, I’ve been able to develop my problem-solving skills, creative skills, and organisational skills.

Another thing that has been exciting in my daily job at Credy is learning to use new reports, tools and data models to determine creditworthiness and financials of individuals. Insights from credit report agencies and fraud detection tools have helped simplify and expedite the decision-making process.

I was fortunate enough to see my ideas become a reality when Credy’s in-house LMS engine was designed for transforming the underwriting process. This, in turn, helped me look at the loan approval system at a macroscopic level. I’ve also taken additional responsibilities such as being the Content Manager for Credy’s weekly e-newsletters, helping the development team with UAT prior to a new product going live.

Credy has been the place where I could learn and understand the product development from scratch and my opinion and suggestions were always valued.