Member Operations
Member 360
Complete relationship view — the SACCO officer's single source of truth.
DK
David Kiplagat Rono
Pending KYCKYC PendingCritical RiskUT-084528 ID 26974449 +254 707 118 220 david.rono@utsacco.co.ke Mombasa
Employer
TSC — Ministry of Education
Payroll No.
TSC-4001239
Next of kin
John Rono · Spouse
Joined
2020 · 6 yrs
SaccoScore AI™
380
/ 1000
Critical RiskRecommended limit KES 130,000
Savings balance
KES 18,000
+12%
Share capital
KES 44,500
+1.8%
Active loans
—
No active loans
Guarantees given
KES 3,240
1 active · KES 14,760 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 David.
Reasons: SaccoScore 380 (Critical), repayment inconsistency in last 12m, guarantor capacity tight.