PayGate ZW
PSC Officer
PSC Operations
Servant Profile EC-2026-000005
Detailed affordability profile, distress signals, payroll behavior, and compliance trace for case management.
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LOWActive
Kudakwashe Mlambo
EC-2026-000005 AgricultureMash East · D3
LAST PAYROLL SYNC
2026-05-25
Open disputes: 0
Gross Salary
$628
Monthly Deduction
$151
Current DTI
24.0%
Credit Score
596
Distress Probability
44%
Identity and Employment
PeopleSoft ID
PS-00000005
Bank Account
****0052
Years in Service
14 years
Employment Start
2012-09-09
Policy Review
2026-09-01
Primary Lender
Steward Bank
Contact and Channel
Phone
+263 7712 28 36
Email
kudakwashe.mlambo@gov.zw
District
Mash East Central
Preferred Channel
SMS
Risk Drivers
Debt-to-Income pressure
24.0% of gross
→ trend
Repayment consistency
98% 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-04-00005 | Steward Bank | Emergency | 2024-05-05 | 2027-02-12 | $604 | $145 | $35 | closing |
| LN-05-00005 | GetBucks | Top-up | 2025-09-14 | 2027-08-21 | $672 | $195 | $35 | restructured |
Payroll Trend (Last 6 Months)
SepGross $657 · Net $487
OctGross $644 · Net $489
NovGross $631 · Net $492
DecGross $618 · Net $458
JanGross $605 · Net $460
FebGross $592 · Net $462
Compliance Timeline
2026-09-21 08:14
Affordability Check
Policy Engine · DTI evaluated against active cap. No hard breach detected.
2026-05-25 11:22
Deduction Sync
Lender Gateway · Submission matched payroll for Steward Bank.
2026-09-13 15:09
Profile Review
PSC Officer · Periodic review closed with no exception.
2026-01-17 09:35
Distress Forecast
Risk Model · 30-day distress probability scored at 44%.
Case Notes
2 notesAI Case Desk2026-05-25
Baseline review completed. Distress probability currently 44%.
PSC Officer2026-09-01
Track DTI trend monthly and trigger intervention if it crosses policy cap.
Intervention Tasks
2 openRun affordability simulation for next payroll cycle
OpenPSC Case Desk · due 2026-09-01
Reconcile lender deductions vs signed consent
In ProgressCompliance Analyst · due 2026-09-01
Compliance Note: Next review is due on 2026-09-01. Recommended actions: continue monitoring, maintain policy cap checks, and review if DTI moves above 40%.
Deduction Summary
Primary lender: Steward Bank
Estimated take-home after deduction: $477
Risk posture: LOW (24.0% DTI)
Policy checkpoint: review in 2026-09-01
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.