1. One or more computer readable media storing computer executable instructions that, when executed by at least one processor, cause the at least one processor to perform a method comprising: 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, the decomposing the segmented data into vintage effect includes: capturing attributes on older vintages to establish drivers of a vintage effect factor, and utilizing the seasoning and cycle effects to establish the drivers; forming statistical clusters based upon the collected account level historical data, the forming statistical clusters being 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; and generating prediction data from the at least one simulation.