Risk & Retention

Risk & Retention Intelligence Engine is a comprehensive machine learning platform that combines advanced banking customer churn prediction with real-time credit card fraud detection. This production-ready system demonstrates expertise in data analysis, ML engineering, and full-stack development through an executive dashboard with professional-grade analytics.

Key Features:

• Banking Churn Model: 91.6% accuracy with XGBoost + SMOTE balancing
• Fraud Detection: 96.0% accuracy with ensemble modeling and threshold optimization
• Executive Dashboard: Professional UI with real-time predictions and business insights
• Advanced Analytics: 30+ comprehensive visualizations covering demographics and risk patterns
• Production Architecture: Flask REST API with SQLite database and enterprise logging
• Business Intelligence: Geographic risk analysis, customer segmentation, and value tier analysis

Technical Highlights:

• Processed 10,000+ banking customers and 284,807 fraud transactions
• Engineered 64 features including demographic risk scores and behavioral patterns
• Implemented SMOTE oversampling with 95.4% precision for churn prediction
• Built interactive dashboard with Chart.js visualizations and real-time inference
• Deployed scalable architecture with comprehensive error handling and monitoring
• Created business impact analysis showing 87.4% customer retention efficiency

Data Analysis Insights:

• Geographic Risk: Germany (32.4%), Spain (16.7%), France (16.2%) churn rates
• Gender Analysis: Female customers show 25.1% vs male 16.5% churn rates
• Age Patterns: Peak churn in 45-49 age group (43.4%), lowest in 25-29 (7.1%)
• Product Impact: 3+ products correlate with 16.2% higher churn probability
• Behavioral Indicators: Inactive members show 26.9% vs active 14.3% churn rates