Zerodha’s Nithin Kamath Jokes About CRED Rejection Over 747 Credit Score; Kunal Shah Responds

The exchange, while light-hearted, drew focus to CRED's unique internal policy—employees must maintain a credit score above 750 to qualify for roles at the firm

Kunal Shah reassured Kamath, offering help and appreciation for promoting financial awareness

Source : LinkedIn

Zerodha CEO and co-founder Nithin Kamath recently caused a stir on social media after revealing his credit score during a personal experiment with CRED’s credit check feature. Taking to X (formerly Twitter), Kamath humorously remarked that his score of 747 was apparently “not good enough” to qualify for CRED’s standards.

“I did a credit check on @zerodhacapital to check out the flow, and my score is 747. So I am not good enough for CRED,” Kamath posted, tagging the fintech platform’s founder Kunal Shah. His tweet quickly caught attention, garnering over 1 lakh views and sparking conversations around credit scores and fintech hiring criteria.

Kunal Shah Responds 

In response, Kunal Shah reassured Kamath, offering help and appreciation for promoting financial awareness. “I’ll call you and help you fix it. Glad you’re caring about scores and increasing awareness. More people need to do this," Shah replied.

The exchange, while light-hearted, drew focus to CRED's unique internal policy—employees must maintain a credit score above 750 to qualify for roles at the firm. Shah has publicly defended this policy in the past, linking it to the company’s core mission.

During a company event earlier this year, Shah explained the rationale behind the policy: “The intent is simple. If you are building products that are going to drive responsible financial behaviour, we have to live it first... We can't be driving this when we ourselves don't live up to this promise."

I did a credit check on @zerodhacapital to check out the flow, and my score is 747.

So I am not good enough for @CRED_club, @kunalb11 😬 pic.twitter.com/Ihv16644Zp

— Nithin Kamath (@Nithin0dha) June 18, 2025

He also clarified why the benchmark was set at 750. “I would love to make (the threshold) to 800, but a lot of people are starting their careers early on. They cannot achieve 800 - they need credit age to be able to achieve that. But 750 is something that we want to ensure."

Three-Month Window For Aspiring Candidates

To accommodate aspiring candidates who don’t initially meet the mark, CRED provides a grace period. “Individuals who wish to join CRED but don't meet the score have a three-month window to achieve it,” Shah said, adding that the company actively supports such efforts.