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Servant Profile EC-2026-000007

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

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MEDIUMActive

Tendai Dube

EC-2026-000007 JusticeHarare · C1

LAST PAYROLL SYNC

2026-07-23

Open disputes: 0

Gross Salary

$702

Monthly Deduction

$197

Current DTI

28.1%

Credit Score

634

Distress Probability

51%

Identity and Employment

PeopleSoft ID

PS-00000007

Bank Account

****0078

Years in Service

20 years

Employment Start

2006-07-27

Policy Review

2026-07-15

Primary Lender

CBZ Bank

Contact and Channel

Phone

+263 7718 42 54

tendai.dube@gov.zw

District

Harare Central

Preferred Channel

Risk Drivers

Debt-to-Income pressure

28.1% 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-06-00007	CBZ Bank	Salary Loan	2024-07-07	2027-04-14	$706	$184	$35	active
LN-07-00007	Steward Bank	Emergency	2025-11-16	2027-10-23	$808	$250	$35	closing

Payroll Trend (Last 6 Months)

SepGross $733 · Net $515

OctGross $720 · Net $518

NovGross $707 · Net $520

DecGross $694 · Net $487

JanGross $681 · Net $490

FebGross $668 · Net $492

Compliance Timeline

2026-01-03 08:14

Affordability Check

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

2026-01-09 11:22

Deduction Sync

Lender Gateway · Submission matched payroll for CBZ Bank.

2026-01-19 15:09

Profile Review

PSC Officer · Periodic review closed with no exception.

2026-07-11 09:35

Distress Forecast

Risk Model · 30-day distress probability scored at 51%.

Case Notes

2 notes

AI Case Desk2026-07-23

Baseline review completed. Distress probability currently 51%.

PSC Officer2026-07-15

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 2026-07-15

Reconcile lender deductions vs signed consent

In Progress

Compliance Analyst · due 2026-07-15

Compliance Note: Next review is due on 2026-07-15. Recommended actions: continue monitoring, maintain policy cap checks, and review if DTI moves above 40%.

Deduction Summary

Primary lender: CBZ Bank

Estimated take-home after deduction: $505

Risk posture: MEDIUM (28.1% DTI)

Policy checkpoint: review in 2026-07-15

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.