Servant Lookup

Live

PSC Operations

Servant Profile EC-2026-000080

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

Back to Lookup

HIGHWatchlist

Munashe Sibanda

EC-2026-000080 Local GovernmentMash East · C3

LAST PAYROLL SYNC

2026-02-20

Open disputes: 0

Gross Salary

$1,803

Monthly Deduction

$703

Current DTI

39.0%

Credit Score

621

Distress Probability

71%

Identity and Employment

PeopleSoft ID

PS-00000080

Bank Account

****1027

Years in Service

23 years

Employment Start

2003-12-12

Policy Review

2026-06-22

Primary Lender

Steward Bank

Contact and Channel

Phone

+263 7737 53 11

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-79-00080	Steward Bank	Emergency	2025-08-24	2027-05-03	$1,829	$713	$55	closing
LN-80-00080	GetBucks	Top-up	2024-12-05	2027-11-12	$572	$252	$42	restructured
LN-81-00080	ZB Bank	Salary Loan	2025-04-14	2027-05-21	$1,915	$938	$72	active

Payroll Trend (Last 6 Months)

SepGross $1,817 · Net $1,096

OctGross $1,804 · Net $1,100

NovGross $1,791 · Net $1,105

DecGross $1,778 · Net $1,073

JanGross $1,765 · Net $1,077

FebGross $1,842 · Net $1,136

Compliance Timeline

2026-03-04 08:14

Affordability Check

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

2026-05-27 11:22

Deduction Sync

Lender Gateway · Submission matched payroll for Steward Bank.

2026-09-14 15:09

Profile Review

PSC Officer · Periodic review closed with no exception.

2026-04-02 09:35

Distress Forecast

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

Case Notes

2 notes

AI Case Desk2026-02-20

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: $1,100

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.