What inspired you to transition from pharmacy work to founding MedScore, kindly brief us about your journey so far?
The transition from pharmacy work to founding MedScore was deeply personal and rooted in years of firsthand experience. Working across pharma retail, distribution, and logistics, I constantly saw how credit mismanagement quietly disrupted the entire ecosystem. This inefficiency was frustrating, especially in a sector tied so closely to public health. I realised there was no structured way to assess risk or enable responsible credit decisions. Drawing inspiration from how fintech revolutionised lending through data, I envisioned MedScore as a platform that brings similar discipline and transparency to pharma B2B trade. The journey has been challenging but rewarding.
What began as a small scoring tool has now grown into a credit infrastructure layer trusted by hundreds of distributors. We are currently active in four states, with over 50 distributors actively using our platform and an additional 250-plus distributors in the onboarding pipeline, serving over 2.1 lakh pharmacies and expanding into adjacent sectors through SafeCredits.
How does MedScore balance technological innovation with regulatory compliance in healthcare?
At MedScore, we understand that technological innovation must align closely with regulatory compliance, especially in healthcare, where data sensitivity is paramount. Our platform is developed with strict adherence to data privacy laws and industry standards, ensuring that all processes respect legal requirements. Close collaboration with legal experts and regulators helps us maintain this alignment while delivering real-time credit insights and automated risk management. Embedding compliance throughout the technology stack guarantees that our solutions drive business growth without compromising confidentiality or ethical obligations, reinforcing trust across the healthcare supply chain.
What sets MedScore apart from other credit risk management solutions in the healthcare industry?
MedScore stands apart because it is purpose-built for the unique dynamics of B2B healthcare trade, where credit decisions often rely on informal trust rather than data. Unlike generic credit risk tools, our platform uses real-time payment behavior and transaction data from the pharma supply chain to generate highly contextual risk scores. Seamless ERP integrations ensure minimal disruption to daily workflows, while our proprietary scoring model—patent-filed and sector-specific—captures nuances that traditional models overlook. The result is a system that not only identifies risk but actively improves credit discipline, helping distributors safeguard liquidity and enabling responsible retailers to grow.
What key metrics or data points are most critical in your credit scoring model for the healthcare sector?
The most critical data points in our credit scoring model are actual payment behavior, frequency and value of purchases, billing consistency, and days sales outstanding. These metrics give us a real picture of a retailer’s financial discipline rather than relying on self-reported or outdated information. We also factor in supply chain dynamics, such as distributor-retailer dependencies and historical credit exposure, to build a multidimensional profile. What makes our model powerful is how it connects these variables in real time, allowing us to provide predictive insights that are both granular and actionable for the healthcare ecosystem.
How does MedScore ensure consistent quality and reliability as you expand MedScore’s reach?
Ensuring consistency in quality and reliability as we scale starts with embedding standardisation at the core of our product and processes. We have designed our platform to be modular, so every new deployment follows a uniform framework with tightly governed data pipelines and risk scoring logic. Strategic onboarding protocols, automated risk alert systems, and centralized performance monitoring allow us to maintain accuracy and trust across regions. Continuous feedback loops from users help us iterate quickly, while partnerships with ERP providers and domain experts ensure our platform stays contextually relevant and technically robust even as we expand into new geographies.
How do you see the convergence of healthcare and finance evolving in the next five years and any plans for expansion or product launches we can expect soon?
The healthcare and finance sectors are becoming deeply interconnected, with financial transparency and credit management playing a crucial role in improving healthcare access and operational efficiency. In the coming years, this integration will drive smarter, data-driven decisions that benefit suppliers, retailers, and patients alike. MedScore is preparing to expand its footprint beyond pharmaceuticals through SafeCredits, targeting sectors like FMCG, Agri-trade, and manufacturing while rolling out innovative tools such as a credit passport for retailers. Over the next 12 to 15 months, we plan to enter more than 10 states, onboard over 1,000 distributors and 2 lakh retailers, and deepen our ERP integrations to embed credit scoring directly into daily business workflows. In the long term, we envision MedScore and SafeCredits evolving into the CIBIL plus UPI equivalent for B2B trade, creating a trusted layer that powers safer, smarter commerce across multiple sectors in India.
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