Member Operations
Member 360
Complete relationship view — the SACCO officer's single source of truth.
JM
James Mutua Nzioka
High RiskKYC VerifiedCritical RiskUT-084524 ID 23664541 +254 720 641 118 james.nzioka@utsacco.co.ke Nairobi HQ
Employer
Ministry of Health
Payroll No.
TSC-4000651
Next of kin
Samuel Nzioka · Spouse
Joined
2016 · 10 yrs
SaccoScore AI™
421
/ 1000
Critical RiskRecommended limit KES 270,200
Savings balance
KES 62,000
+8%
Share capital
KES 35,500
+1.8%
Active loans
KES 480,000
1 loan · Business/SME
Guarantees given
KES 11,160
1 active · KES 50,840 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 James.
Reasons: SaccoScore 421 (Critical), repayment inconsistency in last 12m, guarantor capacity tight.