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Servant Profile EC-2026-000011

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

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Vimbai Moyo

EC-2026-000011 EducationMash East · B2

LAST PAYROLL SYNC

2026-11-19

Open disputes: 0

Gross Salary

$850

Monthly Deduction

$306

Current DTI

36.0%

Credit Score

710

Distress Probability

65%

Identity and Employment

PeopleSoft ID

PS-00000011

Bank Account

****0130

Years in Service

5 years

Employment Start

2021-03-07

Policy Review

2026-03-15

Primary Lender

ZB Bank

Contact and Channel

Phone

+263 7730 70 90

vimbai.moyo@gov.zw

District

Mash East Central

Preferred Channel

SMS

Risk Drivers

Debt-to-Income pressure

36.0% 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-10-00011	ZB Bank	Emergency	2024-11-11	2027-08-18	$910	$273	$35	closing
LN-11-00011	MicroPlan	Top-up	2025-03-20	2027-02-27	$1,080	$378	$54	restructured

Payroll Trend (Last 6 Months)

SepGross $885 · Net $554

OctGross $872 · Net $558

NovGross $859 · Net $562

DecGross $846 · Net $529

JanGross $833 · Net $533

FebGross $820 · Net $537

Compliance Timeline

2026-09-23 08:14

Affordability Check

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

2026-05-05 11:22

Deduction Sync

Lender Gateway · Submission matched payroll for ZB Bank.

2026-09-03 15:09

Profile Review

PSC Officer · Periodic review closed with no exception.

2026-07-27 09:35

Distress Forecast

Risk Model · 30-day distress probability scored at 65%.

Case Notes

2 notes

AI Case Desk2026-11-19

Baseline review completed. Distress probability currently 65%.

PSC Officer2026-03-15

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 2026-03-15

Reconcile lender deductions vs signed consent

In Progress

Compliance Analyst · due 2026-03-15

Distress Alert: Next review is due on 2026-03-15. 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: $544

Risk posture: HIGH (36.0% DTI)

Policy checkpoint: review in 2026-03-15

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.