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Servant Profile EC-2026-000020

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

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Munashe Sibanda

EC-2026-000020 Local GovernmentMash East · C5

LAST PAYROLL SYNC

2026-02-24

Open disputes: 0

Gross Salary

$1,183

Monthly Deduction

$461

Current DTI

39.0%

Credit Score

601

Distress Probability

71%

Identity and Employment

PeopleSoft ID

PS-00000020

Bank Account

****0247

Years in Service

5 years

Employment Start

2021-12-04

Policy Review

2026-06-22

Primary Lender

Steward Bank

Contact and Channel

Phone

+263 7757 33 71

munashe.sibanda@gov.zw

District

Mash East Central

Preferred Channel

SMS

Risk Drivers

Debt-to-Income pressure

39.0% 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-19-00020	Steward Bank	Emergency	2025-08-20	2027-05-27	$1,369	$534	$59	closing
LN-20-00020	GetBucks	Top-up	2024-12-01	2027-11-08	$1,692	$744	$47	restructured
LN-21-00020	ZB Bank	Salary Loan	2025-04-10	2027-05-17	$2,015	$987	$110	active

Payroll Trend (Last 6 Months)

SepGross $1,227 · Net $736

OctGross $1,214 · Net $741

NovGross $1,201 · Net $745

DecGross $1,188 · Net $713

JanGross $1,175 · Net $717

FebGross $1,162 · Net $721

Compliance Timeline

2026-03-12 08:14

Affordability Check

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

2026-05-03 11:22

Deduction Sync

Lender Gateway · Submission matched payroll for Steward Bank.

2026-09-02 15:09

Profile Review

PSC Officer · Periodic review closed with no exception.

2026-04-14 09:35

Distress Forecast

Risk Model · 30-day distress probability scored at 71%.

Case Notes

2 notes

AI Case Desk2026-02-24

Baseline review completed. Distress probability currently 71%.

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: Steward Bank

Estimated take-home after deduction: $722

Risk posture: HIGH (39.0% 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.