Naukri.com Founder Sanjeev Bikhchandani asked CRED Founder Kunal Shah whether he studied philosophy in college due to his Class 12 marks or his interest in the subject. "He told me it was neither. His family had gone bankrupt and he had to work as...delivery boy and...data entry operator full-time...Philosophy was only subject where classes were from 8-10 am," Bikhchandani said.