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Servant Profile EC-2026-000016

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

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MEDIUMActive

Tariro Mapfumo

EC-2026-000016 DefenceHarare · D1

LAST PAYROLL SYNC

2026-10-28

Open disputes: 0

Gross Salary

$1,035

Monthly Deduction

$321

Current DTI

31.0%

Credit Score

525

Distress Probability

56%

Identity and Employment

PeopleSoft ID

PS-00000016

Bank Account

****0195

Years in Service

20 years

Employment Start

2006-04-24

Policy Review

2026-10-22

Primary Lender

ZB Bank

Contact and Channel

Phone

+263 7745 05 35

tariro.mapfumo@gov.zw

District

Harare Central

Preferred Channel

Risk Drivers

Debt-to-Income pressure

31.0% 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-15-00016	ZB Bank	Salary Loan	2025-04-16	2027-01-23	$1,165	$408	$82	active
LN-16-00016	MicroPlan	Emergency	2024-08-25	2027-07-04	$1,420	$568	$47	closing
LN-17-00016	CBZ Bank	Top-up	2025-12-06	2027-01-13	$1,675	$754	$151	restructured

Payroll Trend (Last 6 Months)

SepGross $1,075 · Net $730

OctGross $1,062 · Net $733

NovGross $1,049 · Net $736

DecGross $1,036 · Net $703

JanGross $1,023 · Net $706

FebGross $1,010 · Net $709

Compliance Timeline

2026-07-20 08:14

Affordability Check

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

2026-01-07 11:22

Deduction Sync

Lender Gateway · Submission matched payroll for ZB Bank.

2026-01-18 15:09

Profile Review

PSC Officer · Periodic review closed with no exception.

2026-04-26 09:35

Distress Forecast

Risk Model · 30-day distress probability scored at 56%.

Case Notes

2 notes

AI Case Desk2026-10-28

Baseline review completed. Distress probability currently 56%.

PSC Officer2026-10-22

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 2026-10-22

Reconcile lender deductions vs signed consent

In Progress

Compliance Analyst · due 2026-10-22

Compliance Note: Next review is due on 2026-10-22. Recommended actions: continue monitoring, maintain policy cap checks, and review if DTI moves above 40%.

Deduction Summary

Primary lender: ZB Bank

Estimated take-home after deduction: $714

Risk posture: MEDIUM (31.0% DTI)

Policy checkpoint: review in 2026-10-22

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.