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Servant Profile EC-2026-000001

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

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LOWSuspended

Tatenda Moyo

EC-2026-000001 EducationHarare · B1

LAST PAYROLL SYNC

2026-01-01

Open disputes: 2

Gross Salary

$480

Monthly Deduction

$77

Current DTI

16.0%

Credit Score

520

Distress Probability

45%

Identity and Employment

PeopleSoft ID

PS-00000001

Bank Account

****0000

Years in Service

2 years

Employment Start

2024-01-01

Policy Review

2026-01-01

Primary Lender

ZB Bank

Contact and Channel

Phone

+263 7700 00 00

tatenda.moyo@gov.zw

District

Harare Central

Preferred Channel

Risk Drivers

Debt-to-Income pressure

16.0% of gross

→ trend

Repayment consistency

82% on-time in last 12 months

↓ trend

Loan stack depth

2 active facilities

→ trend

Loan Accounts

Account	Lender	Facility	Start	Maturity	Principal	Outstanding	Installment	Status
LN-00-00001	ZB Bank	Salary Loan	2024-01-01	2027-10-08	$400	$80	$35	active
LN-01-00001	MicroPlan	Emergency	2025-05-10	2027-04-17	$400	$100	$35	closing

Payroll Trend (Last 6 Months)

SepGross $505 · Net $412

OctGross $492 · Net $413

NovGross $479 · Net $414

DecGross $466 · Net $379

JanGross $453 · Net $381

FebGross $440 · Net $382

Compliance Timeline

2026-01-01 08:14

Affordability Check

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

2026-01-01 11:22

Deduction Sync

Lender Gateway · Submission matched payroll for ZB Bank.

2026-01-01 15:09

Profile Review

PSC Officer · Manual follow-up triggered due to open dispute count.

2026-01-01 09:35

Distress Forecast

Risk Model · 30-day distress probability scored at 45%.

Case Notes

2 notes

AI Case Desk2026-01-01

Baseline review completed. Distress probability currently 45%.

PSC Officer2026-01-01

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 2026-01-01

Reconcile lender deductions vs signed consent

In Progress

Compliance Analyst · due 2026-01-01

Compliance Note: Next review is due on 2026-01-01. Recommended actions: continue monitoring, maintain policy cap checks, and review if DTI moves above 40%.

Deduction Summary

Primary lender: ZB Bank

Estimated take-home after deduction: $403

Risk posture: LOW (16.0% DTI)

Policy checkpoint: review in 2026-01-01

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.