Predictive Analytics Engine

Proactive Member Retention & Risk Forecasting

At-Risk Members
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Predicted 90-Day Attrition
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High-Risk Loans
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Deposit Flight Risk
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Cross-Sell Opportunities
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Retention ROI Multiple
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Attrition Forecast Accuracy

30/60/90-day predictions vs. actual outcomes

Member Risk Score Distribution

Risk segmentation and attrition correlation

Loan Default Risk Analysis

Portfolio exposure by product type

Deposit Flight Risk by Account Type

Balance at risk across deposit products

Cross-Sell Opportunity Matrix

High-propensity recommendations by segment

Member Growth Projections

12-month scenario planning

Retention Intervention ROI

Cost-benefit analysis by intervention type

Predictive Insights

ATTRITION RISK Medium Priority
1,847 members flagged as high-risk for attrition in next 90 days. Early warning system identifies behavior patterns 60 days before typical churn indicators.
→ Action: Deploy personalized retention campaigns to top 500 highest-risk members
LOAN DEFAULT PREDICTION Improving
Credit card portfolio shows 8.5% default probability but represents only $289K at-risk balance. Model accuracy improved 15.2% quarter-over-quarter through enhanced feature engineering.
→ Action: Implement early intervention protocol for 23 high-risk credit card accounts
CROSS-SELL OPPORTUNITY High Impact
4,523 members show high propensity for additional products. Gen Z and Millennials exhibit 94.2% and 87.3% digital adoption, indicating strong receptivity to app-based product recommendations.
→ Action: Launch AI-powered product recommendation engine in mobile app
RETENTION ROI Proven Value
Proactive retention interventions deliver 8.7:1 ROI on average. "Personalized Offers" strategy shows highest efficiency at $75 per member cost with 68% retention lift.
→ Action: Allocate $138,000 to personalized offer campaigns for projected $1.2M value preservation
DEPOSIT FLIGHT RISK Stable
Deposit flight risk holding steady at 2.8% of total deposits. Checking accounts represent highest risk concentration with 523 high-risk accounts totaling $8.9M exposure.
→ Action: Pilot relationship deepening program for at-risk checking account holders