Cross-Sell & Retention Monitor · Wisdom notebook
Ask the follow-up.
Agentic conversational BI · from the week's renewal dip down to today's call-first list
Renewals dipped in one sector — what's pulling them down?
RKRolled the week's FD renewal rate by sector against its seasonal band, then checked the two things that move it — service complaints and rate-shopping intent.
One sector broke pattern: RealEstate operating-cash renewal fell to ~44.6% against a ~72% book. Complaints climbed while rate-shopping stayed flat — so this is service-driven, not price:
Renewal fell well below its band while rate-shopping stayed flat — the tell that this is a service problem, not customers leaving for yield.
Service, not rate — which cohort, and how much is at risk?
RKNarrowed the sector to the cohort driving the drop and sized the balance in relationships whose renewal is now at risk.
It's the Corporate-Operating cohort inside RealEstate — a handful of large relationships carry most of the at-risk balance:
At-risk balance by cohort · RealEstate
Corporate-Operating carries the bulk of the at-risk balance — a few big relationships, not a broad retail issue.
Today — which relationships are lapsing?
RKScored today's RealEstate operating-cash relationships on renewal-due, open complaints and balance, and ranked the call-first list.
Today it's a short, high-value list — a few relationships due to renew, with complaints open, worth the most to save: