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Servant Profile EC-2026-000008

Detailed affordability profile, distress signals, payroll behavior, and compliance trace for case management.

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CRITICALIn Arrears

Munashe Nyathi

EC-2026-000008 TransportMash East · B1

LAST PAYROLL SYNC

2026-02-08

Open disputes: 0

Gross Salary

$739

Monthly Deduction

$333

Current DTI

45.1%

Credit Score

653

Distress Probability

82%

Identity and Employment

PeopleSoft ID

PS-00000008

Bank Account

****0091

Years in Service

23 years

Employment Start

2003-12-08

Policy Review

2026-06-22

Primary Lender

GetBucks

Contact and Channel

Phone

+263 7721 49 63

munashe.nyathi@gov.zw

District

Mash East Central

Preferred Channel

SMS

Risk Drivers

Debt-to-Income pressure

45.1% of gross

↑ trend

Repayment consistency

98% on-time in last 12 months

→ trend

Loan stack depth

3 active facilities

↑ trend

Loan Accounts

Account	Lender	Facility	Start	Maturity	Principal	Outstanding	Installment	Status
LN-07-00008	GetBucks	Emergency	2025-08-08	2027-05-15	$757	$204	$35	closing
LN-08-00008	ZB Bank	Top-up	2024-12-17	2027-11-24	$876	$280	$70	restructured
LN-09-00008	MicroPlan	Salary Loan	2025-04-26	2027-05-05	$995	$368	$35	active

Payroll Trend (Last 6 Months)

SepGross $771 · Net $411

OctGross $758 · Net $416

NovGross $745 · Net $421

DecGross $732 · Net $390

JanGross $719 · Net $395

FebGross $706 · Net $400

Compliance Timeline

2026-03-08 08:14

Affordability Check

Policy Engine · DTI evaluated against active cap. No hard breach detected.

2026-05-15 11:22

Deduction Sync

Lender Gateway · Submission matched payroll for GetBucks.

2026-09-22 15:09

Profile Review

PSC Officer · Periodic review closed with no exception.

2026-04-22 09:35

Distress Forecast

Risk Model · 30-day distress probability scored at 82%.

Case Notes

2 notes

AI Case Desk2026-02-08

Baseline review completed. Distress probability currently 82%.

PSC Officer2026-06-22

Track DTI trend monthly and trigger intervention if it crosses policy cap.

Intervention Tasks

2 open

Run affordability simulation for next payroll cycle

Open

PSC Case Desk · due 2026-06-22

Reconcile lender deductions vs signed consent

In Progress

Compliance Analyst · due 2026-06-22

Distress Alert: Next review is due on 2026-06-22. Recommended actions: freeze new top-ups, run restructuring simulation, and escalate to PSC case desk.

Deduction Summary

Primary lender: GetBucks

Estimated take-home after deduction: $406

Risk posture: CRITICAL (45.1% DTI)

Policy checkpoint: review in 2026-06-22

Operations Guidance: Track this profile through monthly payroll close. If distress probability rises above 65% or open disputes exceed 2, auto-route to Dispute Command Desk.