Member Operations
Member 360
Complete relationship view — the SACCO officer's single source of truth.
GM
Grace Muthoni Wambui
DormantKYC VerifiedHigh RiskUT-084527 ID 26146972 +254 714 902 812 grace.wambui@utsacco.co.ke Nairobi HQ
Employer
KenGen
Payroll No.
TSC-4001092
Next of kin
Lucy Wambui · Child
Joined
2019 · 7 yrs
SaccoScore AI™
548
/ 1000
High RiskRecommended limit KES 385,600
Savings balance
KES 92,000
+11%
Share capital
KES 58,000
+1.8%
Active loans
—
No active loans
Guarantees given
KES 16,560
4 active · KES 75,440 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 Grace.
Reasons: SaccoScore 548 (High), repayment inconsistency in last 12m, guarantor capacity tight.