Kunal Shah is Founder and CEO of CRED, a members-only fintech platform that rewards creditworthy users for paying credit card bills on time, valued at $3.5 billion as of 2025. He is also one of India's most prolific angel investors with investments in over 200 startups including Razorpay, Unacademy, and BharatPe.

Kunal co-founded FreeCharge in 2010, a digital payments platform that was acquired by Snapdeal for $400 million in 2015, marking one of India's largest startup acquisitions at the time. He studied Philosophy at Wilson College in Mumbai and previously worked at Bharti Airtel in marketing and strategy roles.

Kunal serves as Independent Director at Pine Labs and Syrma SGS Technology, and has advised Sequoia Capital, AngelList, and Times Group. He is known for his Delta 4 theory on startup success and active social media presence sharing insights on consumer behavior and entrepreneurship.

CRED was founded in 2018 and raised over $940 million across 11 funding rounds from investors including GIC, Sequoia Capital, and Tiger Global. The company became a unicorn in 2021 and processes approximately 20% of credit card bill payments in India.

CRED has 5.9 million active users and became the official sponsor of the Indian Premier League from 2020 to 2023. Kunal's angel investments span 292 companies with 15 unicorns in his portfolio, making him one of India's most influential startup ecosystem builders.