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Servant Profile EC-2026-000010

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

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LOWActive

Blessing Sibanda

EC-2026-000010 Local GovernmentHarare · C3

LAST PAYROLL SYNC

2026-04-06

Open disputes: 0

Gross Salary

$813

Monthly Deduction

$154

Current DTI

18.9%

Credit Score

691

Distress Probability

34%

Identity and Employment

PeopleSoft ID

PS-00000010

Bank Account

****0117

Years in Service

2 years

Employment Start

2024-10-26

Policy Review

2026-04-08

Primary Lender

Steward Bank

Contact and Channel

Phone

+263 7727 63 81

blessing.sibanda@gov.zw

District

Harare Central

Preferred Channel

Risk Drivers

Debt-to-Income pressure

18.9% 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-09-00010	Steward Bank	Salary Loan	2025-10-10	2027-07-17	$859	$249	$35	active
LN-10-00010	GetBucks	Emergency	2024-02-19	2027-01-26	$1,012	$344	$57	closing
LN-11-00010	ZB Bank	Top-up	2025-06-28	2027-07-07	$1,165	$454	$35	restructured

Payroll Trend (Last 6 Months)

SepGross $847 · Net $675

OctGross $834 · Net $676

NovGross $821 · Net $678

DecGross $808 · Net $643

JanGross $795 · Net $645

FebGross $782 · Net $646

Compliance Timeline

2026-07-18 08:14

Affordability Check

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

2026-01-27 11:22

Deduction Sync

Lender Gateway · Submission matched payroll for Steward Bank.

2026-01-28 15:09

Profile Review

PSC Officer · Periodic review closed with no exception.

2026-10-16 09:35

Distress Forecast

Risk Model · 30-day distress probability scored at 34%.

Case Notes

2 notes

AI Case Desk2026-04-06

Baseline review completed. Distress probability currently 34%.

PSC Officer2026-04-08

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 2026-04-08

Reconcile lender deductions vs signed consent

In Progress

Compliance Analyst · due 2026-04-08

Compliance Note: Next review is due on 2026-04-08. Recommended actions: continue monitoring, maintain policy cap checks, and review if DTI moves above 40%.

Deduction Summary

Primary lender: Steward Bank

Estimated take-home after deduction: $659

Risk posture: LOW (18.9% DTI)

Policy checkpoint: review in 2026-04-08

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.