Servant Lookup

Live

PSC Operations

Servant Profile EC-2026-000004

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

Back to Lookup

HIGHWatchlist

Tariro Ncube

EC-2026-000004 FinanceHarare · B2

LAST PAYROLL SYNC

2026-10-12

Open disputes: 0

Gross Salary

$591

Monthly Deduction

$219

Current DTI

37.1%

Credit Score

577

Distress Probability

67%

Identity and Employment

PeopleSoft ID

PS-00000004

Bank Account

****0039

Years in Service

11 years

Employment Start

2015-04-28

Policy Review

2026-10-22

Primary Lender

MicroPlan

Contact and Channel

Phone

+263 7709 21 27

tariro.ncube@gov.zw

District

Harare Central

Preferred Channel

Risk Drivers

Debt-to-Income pressure

37.1% 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-03-00004	MicroPlan	Salary Loan	2025-04-04	2027-01-11	$553	$127	$35	active
LN-04-00004	CBZ Bank	Emergency	2024-08-13	2027-07-20	$604	$169	$35	closing
LN-05-00004	Steward Bank	Top-up	2025-12-22	2027-01-01	$655	$216	$35	restructured

Payroll Trend (Last 6 Months)

SepGross $619 · Net $377

OctGross $606 · Net $381

NovGross $593 · Net $385

DecGross $580 · Net $353

JanGross $567 · Net $357

FebGross $554 · Net $360

Compliance Timeline

2026-07-16 08:14

Affordability Check

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

2026-01-19 11:22

Deduction Sync

Lender Gateway · Submission matched payroll for MicroPlan.

2026-01-10 15:09

Profile Review

PSC Officer · Periodic review closed with no exception.

2026-04-06 09:35

Distress Forecast

Risk Model · 30-day distress probability scored at 67%.

Case Notes

2 notes

AI Case Desk2026-10-12

Baseline review completed. Distress probability currently 67%.

PSC Officer2026-10-22

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 2026-10-22

Reconcile lender deductions vs signed consent

In Progress

Compliance Analyst · due 2026-10-22

Distress Alert: Next review is due on 2026-10-22. Recommended actions: freeze new top-ups, run restructuring simulation, and escalate to PSC case desk.

Deduction Summary

Primary lender: MicroPlan

Estimated take-home after deduction: $372

Risk posture: HIGH (37.1% DTI)

Policy checkpoint: review in 2026-10-22

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.