Cardholder attrition propensity
90-day voluntary attrition risk
Owner: Customer Data Science · last validated May 2, 2026 · metrics illustrative on synthetic data
Outcome it answers for
Illustrative. In production this figure comes from the monitored champion-challenger result, not the card.
Top drivers (SHAP)
Disaggregated performance
| Group | AUC | Approval |
|---|---|---|
| Mass | 0.828 | - |
| Affluent | 0.836 | - |
| Private Client | 0.841 | - |
| Small Business | 0.819 | - |
Segments are business segments. This model is not a credit decision, so this is a parity check, not a fair-lending test.
Intended use
Ranks cardholders by 90-day voluntary-attrition risk to target retention offers. Marketing decision support only; no pricing or credit impact.
Training data
24 months of Customer 360 snapshots with attrition labels, time-based validation split. Illustrative metrics on synthetic data.
Limitations
Weak for cardholders under 6 months tenure; offer fatigue not modelled; recalibrated quarterly.
Fair treatment and decline reasons
Not a credit decision. Retention offers are reviewed for fair treatment and audited for consistency across segments.