Servant Lookup

Live

PSC Operations

Servant Profile EC-2026-000006

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

Back to Lookup

CRITICALIn Arrears

Rumbidzai Mapfumo

EC-2026-000006 DefenceMat North · C5

LAST PAYROLL SYNC

2026-12-10

Open disputes: 0

Gross Salary

$665

Monthly Deduction

$273

Current DTI

41.1%

Credit Score

615

Distress Probability

75%

Identity and Employment

PeopleSoft ID

PS-00000006

Bank Account

****0065

Years in Service

17 years

Employment Start

2009-02-18

Policy Review

2026-08-08

Primary Lender

ZB Bank

Contact and Channel

Phone

+263 7715 35 45

rumbidzai.mapfumo@gov.zw

District

Mat North Central

Preferred Channel

Portal

Risk Drivers

Debt-to-Income pressure

41.1% 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-05-00006	ZB Bank	Top-up	2025-06-06	2027-03-13	$655	$164	$35	restructured
LN-06-00006	MicroPlan	Salary Loan	2024-10-15	2027-09-22	$740	$222	$35	active
LN-07-00006	CBZ Bank	Emergency	2025-02-24	2027-03-03	$825	$289	$35	closing

Payroll Trend (Last 6 Months)

SepGross $695 · Net $397

OctGross $682 · Net $402

NovGross $669 · Net $406

DecGross $656 · Net $374

JanGross $643 · Net $379

FebGross $630 · Net $383

Compliance Timeline

2026-11-26 08:14

Affordability Check

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

2026-09-03 11:22

Deduction Sync

Lender Gateway · Submission matched payroll for ZB Bank.

2026-05-16 15:09

Profile Review

PSC Officer · Periodic review closed with no exception.

2026-10-28 09:35

Distress Forecast

Risk Model · 30-day distress probability scored at 75%.

Case Notes

2 notes

AI Case Desk2026-12-10

Baseline review completed. Distress probability currently 75%.

PSC Officer2026-08-08

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 2026-08-08

Reconcile lender deductions vs signed consent

In Progress

Compliance Analyst · due 2026-08-08

Distress Alert: Next review is due on 2026-08-08. Recommended actions: freeze new top-ups, run restructuring simulation, and escalate to PSC case desk.

Deduction Summary

Primary lender: ZB Bank

Estimated take-home after deduction: $392

Risk posture: CRITICAL (41.1% DTI)

Policy checkpoint: review in 2026-08-08

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.