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Merchant Growth Analytics

Executive Summary

Small and mid-sized merchants can decline due to operational friction (cancellations, refunds, slow prep time) or inefficient marketing spend. This project builds a portfolio-level merchant health system to answer:

Which merchants are at risk of churn, why are they declining, and what actions should we take next?

Output: Merchant segmentation + Opportunity Score ranking + Tableau dashboards + prioritized action list.


Problem Statement

Merchant performance drops often go unnoticed until the revenue impact becomes significant. The goal of this project is to:

  • Detect early churn risk
  • Diagnose the drivers of decline
  • Prioritize the most recoverable merchants using a repeatable analytics workflow

Dataset and Metrics Definitions

The dataset contains merchant performance across cities and categories, focused on growth, reliability, and efficiency.

Core Metrics Used

  • Revenue: total merchant revenue (impact sizing)
  • Orders: completed orders
  • Orders Growth 4W (%): 4-week order trend (negative = churn signal)
  • Cancel Rate (%): reliability risk (high cancellations reduce conversion)
  • Refund %: quality risk (high refunds indicate fulfillment issues)
  • Avg Prep Time (mins): operational friction (impacts cancellations + CX)
  • Rating: customer satisfaction signal
  • ROAS: ad efficiency (low ROAS = inefficient spend)

Segment Logic (Merchant Risk Categories)

Merchants are grouped into actionable segments for Ops and Sales prioritization.

Segment Definitions

  • At Risk: negative growth + high cancels/refunds/prep issues → immediate recovery plan
  • Ops Constrained: demand exists, but ops bottlenecks limit growth → fix fulfillment first
  • Ad Inefficient: low ROAS + weak growth → reset campaigns before scaling spend
  • High Potential: healthy fundamentals + room to scale → upsell and growth programs
  • Core: stable merchants → monitor + light experimentation

Opportunity Score (Prioritization Model)

To avoid treating every merchant equally, merchants are ranked using an Opportunity Score based on:

  1. Revenue impact
  2. Growth headroom
  3. Fixability of issues

Formula

Opportunity Score = AVG(Revenue Weight) × (0.6 × Headroom + 0.4 × Fixability)

Definitions

  • Revenue Weight: higher-revenue merchants receive higher priority
  • Headroom: recoverable decline potential
    • IF Orders Growth 4W < 0 THEN ABS(Orders Growth 4W) ELSE 0
  • Fixability: how actionable reliability issues are
    • Cancel Rate + Refund %

Tableau Dashboards and Views

This project includes a complete Tableau workflow designed to move from:

Portfolio Monitoring → Merchant Prioritization → Root Cause Diagnosis → Action Planning

Each dashboard answers a specific business question and supports drilldowns for decision-making.


1) Portfolio Performance Snapshot

Purpose: Quick health check of the entire merchant portfolio
Business Question: How is the portfolio performing overall, and is risk increasing?

What this view shows

  • Total portfolio Revenue and Orders
  • 4 week growth trend across the portfolio
  • Reliability signals such as:
    • Cancel Rate
    • Refund Rate
  • Early visibility into churn risk before revenue loss becomes significant

How to use it

  • If growth turns negative, drill down into issue drivers to identify the root cause
  • Use as a weekly portfolio review view to monitor stability
Portfolio Performance Snapshot

2) Revenue vs Growth Quadrants

Purpose: Prioritizes merchants by business impact + churn risk
Business Question: Where should the team focus recovery efforts first?

What this view shows

Merchants are positioned into quadrants based on:

  • Revenue impact
  • Orders Growth 4W

Quadrant actions

  • High Revenue + Negative Growth → High Priority (recover immediately)
  • Low Revenue + Negative Growth → Fix Later (monitor, low urgency)
  • High Revenue + Positive Growth → Protect (retain and prevent churn)
  • Low Revenue + Positive Growth → Monitor (light touch tracking)

Why this matters

Instead of treating all merchants equally, this view highlights where the highest recoverable revenue is concentrated.

Revenue vs Growth

3) Revenue at Risk by Driver

Purpose: Diagnoses why revenue decline is happening
Business Question: What’s driving churn risk and revenue loss?

What this view shows

Revenue exposure linked to common drivers such as:

  • High cancellations
  • High refunds
  • Slow prep time
  • Declining order demand

How to interpret it

  • If cancellations and refunds dominate → focus on operational recovery
  • If growth decline dominates with clean ops → focus on marketing and retention
Revenue at Risk by Driver

4) Priority Merchant Action List

Purpose: Converts insights into execution through merchant ranking
Business Question: Which merchants should we contact first, and what action should we take?

What this view includes

  • Ranked merchant list based on Opportunity Score
  • Performance indicators such as:
    • negative growth
    • reliability issues (cancel and refund drivers)
  • Recommended next-step actions:
    • Fix Ops
    • Fix Ads
    • Protect
    • Monitor

Why this is important

This view is the most actionable output and functions like an Ops-ready merchant outreach sheet.

Priority Merchant Action List

5) Opportunity Heatmap (City × Category)

Purpose: Identifies city and category clusters of opportunity and risk
Business Question: Which markets should Sales and Ops focus on?

What this view shows

City-by-category areas that highlight:

  • High opportunity merchants
  • High churn risk concentration
  • Markets with high recovery potential

How to use it

  • Helps identify “hotspots” where operational support or growth campaigns should be deployed
  • Enables market-level planning instead of merchant-by-merchant only
Opportunity Heatmap (City × Category)

Key Insights

1) Risk is concentrated in merchants with negative growth

Portfolio-level order growth trends downward, indicating broad churn risk and urgency.

2) High Revenue + Negative Growth is the highest priority zone

Most revenue is concentrated in the High Priority quadrant, meaning retention efforts should begin with top-revenue merchants losing demand.

3) Ops issues drive churn more than marketing in many cases

Merchants with high cancellations, refunds, or prep time issues decline even when demand exists. Promotions without fixing ops first can waste spend and worsen customer experience.

4) A subset of merchants have inefficient marketing spend

Low ROAS merchants require campaign resets, spend controls, and targeting cleanup before increasing budgets.

5) High-Potential merchants are best candidates for scaling

Strong health signals + stable performance make them ideal for ads onboarding, upsell programs, and controlled growth experiments.


Recommendations (What to Do Next)

At Risk → Fix reliability first, then regain volume

  • Reduce cancels and refunds
  • Improve prep time stability
  • Run targeted promos only after ops stabilizes
    Track: orders, growth, cancellations, refunds, rating

Ops Constrained → Operational stabilization sprint

  • Staffing and hours audit
  • Menu simplification and availability improvements
    Track: prep time trend, cancellation drop

Ad Inefficient → Spend control + campaign reset

  • Cap spend temporarily
  • Tighten targeting and use ROAS guardrails
    Track: ROAS improvement, incremental orders

Core → Protect + monitor

  • Prevent drift into churn with baseline monitoring
  • Run small controlled experiments
    Track: growth stability, reliability metrics

High Potential → Scale intelligently

  • Upsell ads and promos with ROI story
  • Track uplift after adoption
    Track: incremental lift, repeat orders

About

SMB merchant churn risk segmentation + Opportunity Score prioritization using SQL, Excel, Tableau

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