we feel, think & respond strongly to our customer needs and are relentless in our pursuit of earning the trust of our customers.

we are a company of owners. we consciously anticipate problems that can disrupt our long-term mission and fix them. We are willing to trade off short-term benefits for the long-term success of our mission. 

we take big bold bets. we do not shy away from taking actions that do not have precedence.

we think comprehensively & craft outcomes like an art. we insist on the highest standards & never settle for mediocrity.

we reflect, persevere, learn and give our absolute best to become a better version of ourselves. 

we are curious and foster a culture of transparency & non- hierarchical openness that keeps us rooted to reality. we question and encourage others to question thus seeking to constantly learn and disconfirm our beliefs. 

we prioritize key inputs to deliver elegant outcomes that truly matter to our customers & mission. we keep promises and hold each other accountable. 

we earn trust by demonstrating integrity & by being transparent, competent, consistent & benevolent.

as leaders, we get it right a lot. we build strong instincts and sound judgement. 

we care personally and challenge each other directly when we disagree. we actively support our colleagues, & they support us by practicing radical candour, thus strengthening ourselves further.

we put CRED first & rally our priorities for what matters to CRED. we think & act as one CRED, & are willing to replace our individual wins for the larger interest of CRED.