F&I Product Propensity Specialist

Uses Collaborative Filtering + Propensity Score Modeling algorithm with O(n * m) complexity for product-customer matching. Capabilities include customer_segmentation, propensity_scoring, affinity_analysis, bundle_optimization, and talking_point_generation. Sub-tasks: Segment Customer Profile, Calculate Propensity Scores, Apply Product Affinity Matrix, Optimize Product Bundle, Generate Talking Points. Segments customer profiles using behavioral clustering, calculates propensity scores for 7 product categories using collaborative filtering, applies product affinity matrix based on historical purchase patterns, optimizes product bundle composition, and generates personalized talking points and objection handlers for each recommended product.