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Servant Profile EC-2026-000048

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

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Tinashe Nyathi

EC-2026-000048 TransportMat North · C5

LAST PAYROLL SYNC

2026-06-24

Open disputes: 0

Gross Salary

$619

Monthly Deduction

$217

Current DTI

35.1%

Credit Score

573

Distress Probability

64%

Identity and Employment

PeopleSoft ID

PS-00000048

Bank Account

****0611

Years in Service

8 years

Employment Start

2018-08-04

Policy Review

2026-02-22

Primary Lender

GetBucks

Contact and Channel

Phone

+263 7741 29 23

tinashe.nyathi@gov.zw

District

Mat North Central

Preferred Channel

Portal

Risk Drivers

Debt-to-Income pressure

35.1% 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-47-00048	GetBucks	Top-up	2025-12-20	2027-09-27	$2,797	$1,874	$208	restructured
LN-48-00048	ZB Bank	Salary Loan	2024-04-01	2027-03-08	$996	$717	$45	active
LN-49-00048	MicroPlan	Emergency	2025-08-10	2027-09-17	$1,795	$1,382	$154	closing

Payroll Trend (Last 6 Months)

SepGross $601 · Net $378

OctGross $588 · Net $382

NovGross $665 · Net $444

DecGross $652 · Net $411

JanGross $639 · Net $415

FebGross $626 · Net $418

Compliance Timeline

2026-11-12 08:14

Affordability Check

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

2026-09-03 11:22

Deduction Sync

Lender Gateway · Submission matched payroll for GetBucks.

2026-05-02 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 64%.

Case Notes

2 notes

AI Case Desk2026-06-24

Baseline review completed. Distress probability currently 64%.

PSC Officer2026-02-22

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 2026-02-22

Reconcile lender deductions vs signed consent

In Progress

Compliance Analyst · due 2026-02-22

Distress Alert: Next review is due on 2026-02-22. 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: $402

Risk posture: HIGH (35.1% DTI)

Policy checkpoint: review in 2026-02-22

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.