Bank Alfalah Partners with Moody’s CreditLens to Modernize Credit Risk Assessment

Bank Alfalah has announced a partnership with Moody’s CreditLens, selecting the platform to modernize and strengthen its credit risk rating framework. The move is aimed at enhancing risk assessment, improving governance, and aligning more closely with evolving regulatory requirements and global industry practices.

The decision to adopt Moody’s CreditLens was based on the platform’s technical capabilities, comprehensive coverage, global acceptability, and ability to support stronger governance, auditability, and compliance. CreditLens offers a wide range of credit scorecards covering corporate, commercial, small and medium enterprises (SMEs), agriculture, financial institutions, project finance, and other segments. Its access to global and regional datasets will support the development, calibration, and ongoing refinement of risk rating models across diverse borrower segments.

Atif Bajwa, President and CEO of Bank Alfalah, commented: “As the banking landscape evolves, strengthening our risk management capabilities is essential to building a resilient and forward-looking institution. The adoption of Moody’s CreditLens represents an important step in modernizing our credit risk rating framework, enhancing the quality of risk assessment and strengthening governance. By leveraging advanced modelling capabilities and broader data insights, we aim to support more informed decision-making and ensure our risk management practices remain responsive to changing economic conditions and regulatory expectations.”

Brendan, Senior Director, Middle East, Moody’s Analytics, added: “In an environment where risks are increasingly interconnected and economic conditions continue to evolve, financial institutions need robust analytical capabilities and reliable data to support sound credit decisions. Moody’s CreditLens combines risk expertise, data and technology to help strengthen credit risk assessment and governance. We are pleased to support Bank Alfalah in advancing its risk rating capabilities and reinforcing a forward-looking approach to risk management.”

Through Moody’s CreditLens, Bank Alfalah aims to strengthen the governance and auditability of its risk rating framework, enhance access to relevant data, and support more dynamic risk modelling. The platform’s capabilities are expected to help the bank better assess changing credit conditions while supporting the continued development of a robust, transparent, and well-governed risk management environment.