Member Operations
Member 360
Complete relationship view — the SACCO officer's single source of truth.
LA
Lucy Achieng Odongo
ActiveKYC VerifiedModerate RiskUT-084525 ID 24492018 +254 745 220 118 lucy.odongo@utsacco.co.ke Nakuru
Employer
KRA
Payroll No.
TSC-4000798
Next of kin
Mary Odongo · Sibling
Joined
2017 · 9 yrs
SaccoScore AI™
704
/ 1000
Moderate RiskRecommended limit KES 782,800
Savings balance
KES 214,000
+9%
Share capital
KES 78,500
+1.8%
Active loans
KES 180,000
1 loan · Salary Advance
Guarantees given
KES 38,520
2 active · KES 175,480 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
Pre-approve Salary Advance top-up up to KES 782,800 at 13% p.a. for 36 months.
Reasons: stable KRA payroll, 84% on-time repayment, savings up 9% YoY, guarantor capacity healthy.