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Servant Profile EC-2026-000014

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

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MEDIUMActive

Nyasha Ncube

EC-2026-000014 FinanceMash East · C1

LAST PAYROLL SYNC

2026-08-02

Open disputes: 0

Gross Salary

$961

Monthly Deduction

$259

Current DTI

27.0%

Credit Score

767

Distress Probability

49%

Identity and Employment

PeopleSoft ID

PS-00000014

Bank Account

****0169

Years in Service

14 years

Employment Start

2012-06-06

Policy Review

2026-12-08

Primary Lender

MicroPlan

Contact and Channel

Phone

+263 7739 91 17

nyasha.ncube@gov.zw

District

Mash East Central

Preferred Channel

SMS

Risk Drivers

Debt-to-Income pressure

27.0% 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-13-00014	MicroPlan	Emergency	2025-02-14	2027-11-21	$1,063	$351	$35	closing
LN-14-00014	CBZ Bank	Top-up	2024-06-23	2027-05-02	$1,284	$488	$49	restructured
LN-15-00014	Steward Bank	Salary Loan	2025-10-04	2027-11-11	$1,505	$647	$38	active

Payroll Trend (Last 6 Months)

SepGross $999 · Net $717

OctGross $986 · Net $720

NovGross $973 · Net $722

DecGross $960 · Net $689

JanGross $947 · Net $691

FebGross $934 · Net $694

Compliance Timeline

2026-03-10 08:14

Affordability Check

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

2026-05-23 11:22

Deduction Sync

Lender Gateway · Submission matched payroll for MicroPlan.

2026-09-12 15:09

Profile Review

PSC Officer · Periodic review closed with no exception.

2026-10-04 09:35

Distress Forecast

Risk Model · 30-day distress probability scored at 49%.

Case Notes

2 notes

AI Case Desk2026-08-02

Baseline review completed. Distress probability currently 49%.

PSC Officer2026-12-08

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 2026-12-08

Reconcile lender deductions vs signed consent

In Progress

Compliance Analyst · due 2026-12-08

Compliance Note: Next review is due on 2026-12-08. 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: $702

Risk posture: MEDIUM (27.0% DTI)

Policy checkpoint: review in 2026-12-08

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.