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Servant Profile EC-2026-000017

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

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Kudakwashe Dube

EC-2026-000017 JusticeMash East · C3

LAST PAYROLL SYNC

2026-05-13

Open disputes: 0

Gross Salary

$1,072

Monthly Deduction

$193

Current DTI

18.0%

Credit Score

544

Distress Probability

33%

Identity and Employment

PeopleSoft ID

PS-00000017

Bank Account

****0208

Years in Service

23 years

Employment Start

2003-09-05

Policy Review

2026-09-01

Primary Lender

CBZ Bank

Contact and Channel

Phone

+263 7748 12 44

kudakwashe.dube@gov.zw

District

Mash East Central

Preferred Channel

SMS

Risk Drivers

Debt-to-Income pressure

18.0% 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-16-00017	CBZ Bank	Emergency	2024-05-17	2027-02-24	$1,216	$438	$73	closing
LN-17-00017	Steward Bank	Top-up	2025-09-26	2027-08-05	$1,488	$610	$47	restructured

Payroll Trend (Last 6 Months)

SepGross $1,113 · Net $901

OctGross $1,100 · Net $902

NovGross $1,087 · Net $903

DecGross $1,074 · Net $869

JanGross $1,061 · Net $870

FebGross $1,048 · Net $871

Compliance Timeline

2026-09-25 08:14

Affordability Check

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

2026-05-13 11:22

Deduction Sync

Lender Gateway · Submission matched payroll for CBZ Bank.

2026-09-21 15:09

Profile Review

PSC Officer · Periodic review closed with no exception.

2026-01-09 09:35

Distress Forecast

Risk Model · 30-day distress probability scored at 33%.

Case Notes

2 notes

AI Case Desk2026-05-13

Baseline review completed. Distress probability currently 33%.

PSC Officer2026-09-01

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 2026-09-01

Reconcile lender deductions vs signed consent

In Progress

Compliance Analyst · due 2026-09-01

Compliance Note: Next review is due on 2026-09-01. Recommended actions: continue monitoring, maintain policy cap checks, and review if DTI moves above 40%.

Deduction Summary

Primary lender: CBZ Bank

Estimated take-home after deduction: $879

Risk posture: LOW (18.0% DTI)

Policy checkpoint: review in 2026-09-01

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.