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Servant Profile EC-2026-000009

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

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MEDIUMActive

Chipo Zhou

EC-2026-000009 ICTMat North · D1

LAST PAYROLL SYNC

2026-09-21

Open disputes: 0

Gross Salary

$776

Monthly Deduction

$248

Current DTI

32.0%

Credit Score

672

Distress Probability

58%

Identity and Employment

PeopleSoft ID

PS-00000009

Bank Account

****0104

Years in Service

26 years

Employment Start

2000-05-17

Policy Review

2026-05-01

Primary Lender

MicroPlan

Contact and Channel

Phone

+263 7724 56 72

chipo.zhou@gov.zw

District

Mat North Central

Preferred Channel

Portal

Risk Drivers

Debt-to-Income pressure

32.0% 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-08-00009	MicroPlan	Top-up	2024-09-09	2027-06-16	$808	$226	$35	restructured
LN-09-00009	CBZ Bank	Salary Loan	2025-01-18	2027-12-25	$944	$312	$62	active

Payroll Trend (Last 6 Months)

SepGross $809 · Net $538

OctGross $796 · Net $541

NovGross $783 · Net $544

DecGross $770 · Net $512

JanGross $757 · Net $515

FebGross $744 · Net $518

Compliance Timeline

2026-05-13 08:14

Affordability Check

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

2026-09-21 11:22

Deduction Sync

Lender Gateway · Submission matched payroll for MicroPlan.

2026-05-25 15:09

Profile Review

PSC Officer · Periodic review closed with no exception.

2026-01-05 09:35

Distress Forecast

Risk Model · 30-day distress probability scored at 58%.

Case Notes

2 notes

AI Case Desk2026-09-21

Baseline review completed. Distress probability currently 58%.

PSC Officer2026-05-01

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 2026-05-01

Reconcile lender deductions vs signed consent

In Progress

Compliance Analyst · due 2026-05-01

Compliance Note: Next review is due on 2026-05-01. Recommended actions: continue monitoring, maintain policy cap checks, and review if DTI moves above 40%.

Deduction Summary

Primary lender: MicroPlan

Estimated take-home after deduction: $528

Risk posture: MEDIUM (32.0% DTI)

Policy checkpoint: review in 2026-05-01

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.