CRED Founder Kunal Shah, who is one of the most active angel investors in Indian startup ecosystem, told Moneycontrol in an interview, "I invest to pay it forward. I don't track my investments." "You can do philanthropy or fund job creators. India needs job creators," he added. Shah has an estimated portfolio of 150-170 startups, including BharatPe, Unacademy and Razorpay.