Member Operations
Member 360
Complete relationship view — the SACCO officer's single source of truth.
PO
Peter Otieno Ochieng
ActiveKYC VerifiedHigh RiskUT-084522 ID 22009587 +254 733 118 902 peter.ochieng@utsacco.co.ke Kisumu
Employer
Kenya Power
Payroll No.
TSC-4000357
Next of kin
Peter Ochieng · Parent
Joined
2014 · 12 yrs
SaccoScore AI™
612
/ 1000
High RiskRecommended limit KES 1,076,400
Savings balance
KES 318,000
+6%
Share capital
KES 89,500
+1.8%
Active loans
KES 950,000
1 loan · School Fees
Guarantees given
KES 57,240
3 active · KES 260,760 capacity left
Savings growth
Rolling 12 months (KES 000s)
SaccoScore AI breakdown
Deterministic · rules-based · auditable
- Deposit consistency168/180
- Savings growth (12m)108/120
- Loan repayment history172/200
- Debt service ratio118/150
- Guarantor strength62/80
- Collateral coverage90/100
Repayment behaviour
Due vs paid — last 12 months
Recommended next action
AI-generated · pending officer approval
AI Recommendation
Hold new disbursement — remediate arrears and refresh KYC before extending further credit to Peter.
Reasons: SaccoScore 612 (High), repayment inconsistency in last 12m, guarantor capacity tight.