Broker channel loss ratio 95%, direct — 70%. Что не так?

Ситуация: Broker-sold policies показывают loss ratio 95%, vs direct customer 70%. Brokers say "fairness", finance — "kill channel".

Brokers commission 10-15% on sale. Direct channel: digital + agency.

Доступные данные

• policies: id, channel, sold_by, sold_at, premium
• claims: policy_id, amount, occurred_at
• broker_performance: broker_id, monthly_volume, loss_ratio

Задачи

• Decomposition: which brokers worst.
• Risk profile differences: broker vs direct customers.
• Incentive structure: misaligned?
• Recommendations: differential commission / training / exit.

Все кейсы для подготовки → ← Все кейсы