Revolutionizing Trade Credit: A Conservation with Mr. Mannuri Vamshi Krishna, CEO of MedScore

An interview with Mr. Mannuri Vamshi Krishna, Founder & CEO of MedScore, a centralized trade credit risk assessment and management platform

In this interview, Mr. Mannuri Vamshi Krishna, Founder & CEO of MedScore, shares his vision for transforming trade credit risk assessment.

He discusses how MedScore’s centralized platform is building trust and transparency in B2B credit systems, addressing long-standing challenges in the industry.

Mr. Mannuri, what inspired you to create MedScore, and how did you identify the need for a centralized credit risk assessment platform specifically for the pharmaceutical industry?

Mannuri Vamshi Krishna: Years of firsthand experience across pharma retail, distribution, and logistics made it evident that credit defaults, not stock shortages, were silently crippling medicine availability, especially in semi-urban and rural markets.

Distributors operated on informal trust without any structured way to assess credit risk, resulting in broken payment cycles and shrinking working capital. The absence of a centralized system to evaluate financial behavior created inefficiencies that directly impacted public health.

Observing how fintech had transformed lending using tools like CIBIL, I realized healthcare needed a sector-specific credit infrastructure.

That’s how MedScore was born, as a platform that translates real-time transactional behavior into actionable credit insights.

From a basic scoring tool, it has matured into a trusted credit infrastructure layer with deep market traction, currently supporting over 300 pharmaceutical distributors and more than 3,000 retailers while processing insights from 2.1 lakh pharmacies. We are now scaling this model to other complex B2B sectors through our new initiative, SafeCredits.

In your view, how are digitalization and automation transforming supply chain strategies within the healthcare sector?

Mannuri Vamshi Krishna: Digital tools are bringing unprecedented visibility and control to healthcare supply chains by turning payment behavior, order cycles, and credit usage into structured insights.

Automation enables seamless monitoring of financial discipline and real-time responses to potential defaults, helping distributors avoid risky exposure and streamline inventory allocation.

With ERP-integrated workflows and predictive analytics, decision-making becomes faster and more consistent, even in high-volume environments.

Platforms like ours are facilitating this transformation by embedding automated credit scoring into daily operations, enabling smarter planning and reducing working capital stress.

In regions where informal lending once governed transactions, this technological shift introduces financial discipline and operational efficiency.

The result is a more stable, transparent supply chain that supports uninterrupted medicine access and better aligns with the demands of a rapidly evolving healthcare ecosystem.

MedScore utilizes advanced data analytics for credit risk assessment. Could you explain how these analytics work and the types of data that are most critical for accurate assessments?

Mannuri Vamshi Krishna: Advanced data analytics power our credit risk assessment by transforming raw transactional behavior into predictive risk insights that reflect the real-time financial health of a retailer.

The most critical data points include actual payment behavior, billing frequency, purchase value, days sales outstanding, and historical credit exposure.

These variables help us map repayment patterns, detect early signs of default, and generate dynamic credit scores that evolve with each transaction.

Unlike traditional models that rely on static or self-reported data, our platform captures real behaviors directly from distributor ERPs, ensuring accuracy and context.

We also analyze interdependencies in the supply chain, such as the strength of distributor-retailer relationships, to create a multidimensional credit profile.

This approach enables precise, reliable risk scoring that supports better credit decisions and reduces the likelihood of bad debts across the healthcare ecosystem.

Real-time data is essential for effective decision-making. How does MedScore ensure that it provides real-time data to its users, and what advantages does this offer to pharmaceutical companies?

Mannuri Vamshi Krishna: We at MedScore ensure the delivery of real-time data through seamless ERP integrations that continuously capture and process transactional activities such as billing, payments, and order cycles without manual input.

Our platform is designed to update credit scores and risk alerts dynamically as new data flows in, providing users with up-to-the-minute insights into each retailer’s financial behavior.

This immediacy empowers pharmaceutical distributors to make faster, more informed credit decisions, adjust inventory planning, and prevent exposure to high-risk accounts before problems escalate.

Real-time visibility also supports proactive collections and smarter cash flow management, helping companies maintain operational continuity and financial health.

In a sector where informal credit and delayed payments can derail access to medicines, timely data enables businesses to respond with precision, safeguard liquidity, and foster more reliable trade partnerships across the healthcare supply chain.

What do you envision as the future of healthcare financing, especially in the pharmaceutical sector?

Mannuri Vamshi Krishna: The future of healthcare financing in the pharmaceutical sector lies in building a transparent, data-driven ecosystem where credit access is determined by real-time financial behavior rather than informal trust.

As supply chains digitize, credit scoring will become embedded into daily operations, allowing distributors to tailor terms based on verified risk and enabling retailers to build credible digital identities.

This will open new avenues for formal financing, reduce working capital stress, and ensure uninterrupted medicine flow even in tier-2 and tier-3 markets. We envision a credit infrastructure where platforms like ours serve as a trusted digital layer, much like CIBIL and UPI, powering safer B2B commerce.

Tools such as credit passports will give retailers more visibility and control over their financial profiles, creating a level playing field for responsible businesses.

In the next phase, sector-agnostic platforms like SafeCredits will extend these benefits beyond pharma, shaping the broader future of B2B trade financing in India.

How do you see MedScore evolving to meet these future needs?

Mannuri Vamshi Krishna: MedScore is evolving into a holistic credit infrastructure platform that goes beyond scoring to embed financial intelligence into every layer of B2B trade.

Our roadmap includes deeper ERP integrations to automate credit insights across workflows, expansion into more than 10 states, and onboarding over 1,000 distributors and 2 lakh retailers in the next 12 to 15 months.

We are also launching a retailer-facing credit passport, giving users control and visibility over their credit profiles to facilitate better negotiations and formal credit access.

Through SafeCredits, we are extending our proven model into other high-risk sectors like FMCG, agri-trade, and manufacturing, recalibrating our scoring to match their unique dynamics.

As we scale, maintaining reliability, compliance, and contextual relevance remains our core focus. The goal is to become the backbone of responsible trade credit in India, creating a trusted, real-time digital layer that powers inclusive growth across industries.

What advice would you give to aspiring entrepreneurs looking to innovate in the healthcare sector?

Mannuri Vamshi Krishna: At MedScore our journey taught us that true transformation comes from solving problems that are often overlooked but deeply felt.

In healthcare even small operational innovations can create wide-reaching ripple effects for both providers and patients.

For aspiring entrepreneurs the key is to immerse themselves in the realities of the sector, identify inefficiencies that are normalized, and build solutions that align with both regulatory and operational needs.

Technology alone isn’t enough as it must be paired with contextual insight, stakeholder trust, and measurable impact. Starting small, validating early, and scaling with discipline are crucial steps.

Mr. Vamshi Krishna’s insights highlight MedScore’s pivotal role in shaping the future of credit risk management. His data-driven approach and commitment to innovation are setting new standards, empowering businesses to make informed decisions and fostering a more resilient trade ecosystem.

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