HNW Client Churn Analysis
Module: portfolio-risk
Show me the top 10 clients at risk of churn
10:23 AM
Based on our predictive model analyzing transaction patterns, engagement frequency, and competitive intelligence, here are the 10 clients with the highest churn probability.
The model considers 47 features including days since last contact, portfolio performance vs benchmark, fee sensitivity, and competitor engagement signals. Key findings:
- 3 UHNW/HNW clients have >90% churn risk — combined AUM of $58.2M
- Primary trigger: lack of proactive outreach (avg 39 days since contact)
- Quick win: Margaret Thornton ($24.3M) flagged due to competitor outreach — immediate RM contact recommended
10:23 AM
What are the main factors driving their risk scores?
10:25 AM
Three key factors emerge from the SHAP analysis of our churn prediction model:
1. Days since contact (34% impact) — The single strongest predictor. Clients without RM contact for 30+ days show 3.2x higher churn probability.
2. Performance vs benchmark (28% impact) — Clients whose portfolios underperform their benchmark by >200bps are significantly more likely to explore alternatives.
3. Fee sensitivity score (22% impact) — Rising across all segments, particularly in the $5M-$15M AUM band where competitors are aggressively offering fee rebates.
Recommended actions:
- Immediate: Schedule outreach to all clients with >80% risk score
- This week: Review fee structures for HNW segment
- This month: Launch retention campaign targeting performance-gap clients
10:25 AM
Insights
Portfolio Risk Distribution
Allocation breakdown by asset class
Equities
Fixed Income
Alternatives
Cash
Real Estate