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Servant Profile EC-2026-000018

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

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Rumbidzai Nyathi

EC-2026-000018 TransportMat North · B2

LAST PAYROLL SYNC

2026-12-26

Open disputes: 0

Gross Salary

$1,109

Monthly Deduction

$388

Current DTI

35.0%

Credit Score

563

Distress Probability

64%

Identity and Employment

PeopleSoft ID

PS-00000018

Bank Account

****0221

Years in Service

26 years

Employment Start

2000-02-14

Policy Review

2026-08-08

Primary Lender

GetBucks

Contact and Channel

Phone

+263 7751 19 53

rumbidzai.nyathi@gov.zw

District

Mat North Central

Preferred Channel

Portal

Risk Drivers

Debt-to-Income pressure

35.0% 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-17-00018	GetBucks	Top-up	2025-06-18	2027-03-25	$1,267	$469	$67	restructured
LN-18-00018	ZB Bank	Salary Loan	2024-10-27	2027-09-06	$1,556	$654	$47	active
LN-19-00018	MicroPlan	Emergency	2025-02-08	2027-03-15	$1,845	$867	$124	closing

Payroll Trend (Last 6 Months)

SepGross $1,151 · Net $736

OctGross $1,138 · Net $740

NovGross $1,125 · Net $743

DecGross $1,112 · Net $711

JanGross $1,099 · Net $714

FebGross $1,086 · Net $718

Compliance Timeline

2026-11-02 08:14

Affordability Check

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

2026-09-19 11:22

Deduction Sync

Lender Gateway · Submission matched payroll for GetBucks.

2026-05-24 15:09

Profile Review

PSC Officer · Periodic review closed with no exception.

2026-10-20 09:35

Distress Forecast

Risk Model · 30-day distress probability scored at 64%.

Case Notes

2 notes

AI Case Desk2026-12-26

Baseline review completed. Distress probability currently 64%.

PSC Officer2026-08-08

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 2026-08-08

Reconcile lender deductions vs signed consent

In Progress

Compliance Analyst · due 2026-08-08

Distress Alert: Next review is due on 2026-08-08. 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: $721

Risk posture: HIGH (35.0% DTI)

Policy checkpoint: review in 2026-08-08

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.