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Servant Profile EC-2026-000015

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

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CRITICALIn Arrears

Farai Mlambo

EC-2026-000015 AgricultureMat North · B1

LAST PAYROLL SYNC

2026-03-15

Open disputes: 0

Gross Salary

$998

Monthly Deduction

$439

Current DTI

44.0%

Credit Score

786

Distress Probability

80%

Identity and Employment

PeopleSoft ID

PS-00000015

Bank Account

****0182

Years in Service

17 years

Employment Start

2009-11-15

Policy Review

2026-11-15

Primary Lender

Steward Bank

Contact and Channel

Phone

+263 7742 98 26

farai.mlambo@gov.zw

District

Mat North Central

Preferred Channel

Portal

Risk Drivers

Debt-to-Income pressure

44.0% 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-14-00015	Steward Bank	Top-up	2024-03-15	2027-12-22	$1,114	$379	$95	restructured
LN-15-00015	GetBucks	Salary Loan	2025-07-24	2027-06-03	$1,352	$527	$48	active

Payroll Trend (Last 6 Months)

SepGross $1,037 · Net $569

OctGross $1,024 · Net $573

NovGross $1,011 · Net $578

DecGross $998 · Net $547

JanGross $985 · Net $552

FebGross $972 · Net $556

Compliance Timeline

2026-05-15 08:14

Affordability Check

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

2026-09-01 11:22

Deduction Sync

Lender Gateway · Submission matched payroll for Steward Bank.

2026-05-15 15:09

Profile Review

PSC Officer · Periodic review closed with no exception.

2026-07-15 09:35

Distress Forecast

Risk Model · 30-day distress probability scored at 80%.

Case Notes

2 notes

AI Case Desk2026-03-15

Baseline review completed. Distress probability currently 80%.

PSC Officer2026-11-15

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 2026-11-15

Reconcile lender deductions vs signed consent

In Progress

Compliance Analyst · due 2026-11-15

Distress Alert: Next review is due on 2026-11-15. Recommended actions: freeze new top-ups, run restructuring simulation, and escalate to PSC case desk.

Deduction Summary

Primary lender: Steward Bank

Estimated take-home after deduction: $559

Risk posture: CRITICAL (44.0% DTI)

Policy checkpoint: review in 2026-11-15

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.