Disengagement prevention incentive

A computer-implemented method, comprising:

• obtaining user data and input features;
• determining, by a risk identifier, predetermined risk labels based on the user data, wherein the predetermined risk labels identify disengagement risks and determining the predetermined risk labels includes:
• for each user of the user data:
• determining a type of disengagement description included in the user data;
• in accordance with a determination that the user data includes a first type of disengagement description, determining an explicit risk label, and
• in accordance with a determination that the user data includes a second type of disengagement description, distinct from the first type of disengagement description, determining an implicit risk label;
• combining each of the explicit risk labels into a set of explicit risk labels, and each of the implicit risk labels into a set of implicit risk labels;
• and
• combining the set of explicit risk labels and the set of implicit risk labels from the user data to form the predetermined risk labels;
• determining, using a first trained machine learning model that receives the input features, a first score value characterizing a risk of disengagement for a user, wherein the first trained machine learning model is assigned to a first virtual machine that executes on a first processing resource;
• determining, using a second trained machine learning model that receives the input features and the predetermined risk labels, a second score value characterizing a disengagement reason for the user, wherein the second trained machine learning model is assigned to a second virtual machine that executes on a second processing resource;
• generating a risk score based on the first score value characterizing the risk of disengagement and the second score value characterizing the disengagement reason;
• determining, based on the risk score a disengagement prevention incentive for the user;
• and
• transmitting, to a computing device associated with the user, the disengagement prevention incentive, wherein the disengagement prevention incentive causes the computing device to display a user interface element for interacting with the disengagement prevention incentive.

A non-transitory computer readable medium having instructions stored thereon, wherein the instructions, when executed by at least one processor, cause at least one device to perform operations comprising:

• obtaining user data and input features;
• determining, by a risk identifier, predetermined risk labels based on the user data, wherein the predetermined risk labels identify disengagement risks and determining the predetermined risk labels includes:
• for each user of the user data:
• determining a type of disengagement description included in the user data;
• in accordance with a determination that the user data includes a first type of disengagement description, determining an explicit risk label, and
• in accordance with a determination that the user data includes a second type of disengagement description, distinct from the first type of disengagement description, determining an implicit risk label;
• combining each of the explicit risk labels into a set of explicit risk labels, and each of the implicit risk labels into a set of implicit risk labels;
• and
• combining the set of explicit risk labels and the set of implicit risk labels from the user data to form the predetermined risk labels;
• determining, using a first trained machine learning model that receives the input features, a first score value characterizing a risk of disengagement for a user, wherein the first trained machine learning model is assigned to a first virtual machine that executes on a first processing resource;
• determining, using a second trained machine learning model that receives the input features and the predetermined risk labels, a second score value characterizing a disengagement reason for the user, wherein the second trained machine learning model is assigned to a second virtual machine that executes on a second processing resource;
• generating a risk score based on the first score value characterizing the risk of disengagement and the second score value characterizing the disengagement reason;
• determining, based on the risk score a disengagement prevention incentive for the user;
• and
• transmitting, to a computing device associated with the user, the disengagement prevention incentive, wherein the disengagement prevention incentive causes the computing device to display a user interface element for interacting with the disengagement prevention incentive.