1. One or more non-transitory computer readable media storing computer executable instructions that, when executed by at least one processor, cause the at least one processor to perform: collecting account level historical data for a plurality of customers associated with accounts as part of a portfolio of an entity; segmenting the account level historical data into a plurality of groups of customers of the plurality of customers with similar revenue and loss characteristics identified within the accounts of the customers; decomposing the segmented data into seasoning, vintage, and cycle effects; forming statistical clusters based upon the collected account level historical data, wherein the forming statistical clusters is based upon the seasoning, vintage, and cycle effects and the plurality of groups of customers; applying at least one simulation to the statistical clusters, the at least one simulation simulating revenue and loss volatility on the statistical clusters; generating prediction data from the at least one simulation; determining a forecast error associated with the generated prediction data; generating multiple simulation holdout runs by changing one input to the simulation or one change to the simulation per generated simulation holdout run; comparing the multiple simulation holdout runs to the generated prediction data; splitting the forecast error into simulation components and input components; applying a second at least one simulation to the statistical clusters, the second at least one simulation simulating revenue and loss volatility on the statistical clusters; and generating second prediction data from the second at least one simulation.