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Servant Profile EC-2026-000050

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

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Nyasha Sibanda

EC-2026-000050 Local GovernmentMash East · B1

LAST PAYROLL SYNC

2026-08-22

Open disputes: 0

Gross Salary

$693

Monthly Deduction

$270

Current DTI

39.0%

Credit Score

611

Distress Probability

71%

Identity and Employment

PeopleSoft ID

PS-00000050

Bank Account

****0637

Years in Service

14 years

Employment Start

2012-06-22

Policy Review

2026-12-08

Primary Lender

Steward Bank

Contact and Channel

Phone

+263 7747 43 41

nyasha.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-49-00050	Steward Bank	Emergency	2025-02-22	2027-11-01	$2,899	$2,000	$182	closing
LN-50-00050	GetBucks	Top-up	2024-06-03	2027-05-10	$1,132	$838	$210	restructured
LN-51-00050	ZB Bank	Salary Loan	2025-10-12	2027-11-19	$1,965	$1,552	$141	active

Payroll Trend (Last 6 Months)

SepGross $677 · Net $401

OctGross $664 · Net $405

NovGross $741 · Net $464

DecGross $728 · Net $432

JanGross $715 · Net $436

FebGross $702 · Net $440

Compliance Timeline

2026-03-22 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 Steward Bank.

2026-09-08 15:09

Profile Review

PSC Officer · Periodic review closed with no exception.

2026-10-08 09:35

Distress Forecast

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

Case Notes

2 notes

AI Case Desk2026-08-22

Baseline review completed. Distress probability currently 71%.

PSC Officer2026-12-08

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 2026-12-08

Reconcile lender deductions vs signed consent

In Progress

Compliance Analyst · due 2026-12-08

Distress Alert: Next review is due on 2026-12-08. 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: $423

Risk posture: HIGH (39.0% DTI)

Policy checkpoint: review in 2026-12-08

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.