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Servant Profile EC-2026-000019

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

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LOWActive

Tendai Zhou

EC-2026-000019 ICTHarare · D3

LAST PAYROLL SYNC

2026-07-11

Open disputes: 0

Gross Salary

$1,146

Monthly Deduction

$252

Current DTI

22.0%

Credit Score

582

Distress Probability

40%

Identity and Employment

PeopleSoft ID

PS-00000019

Bank Account

****0234

Years in Service

2 years

Employment Start

2024-07-23

Policy Review

2026-07-15

Primary Lender

MicroPlan

Contact and Channel

Phone

+263 7754 26 62

tendai.zhou@gov.zw

District

Harare Central

Preferred Channel

Risk Drivers

Debt-to-Income pressure

22.0% 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-18-00019	MicroPlan	Salary Loan	2024-07-19	2027-04-26	$1,318	$501	$63	active
LN-19-00019	CBZ Bank	Emergency	2025-11-28	2027-10-07	$1,624	$698	$47	closing

Payroll Trend (Last 6 Months)

SepGross $1,189 · Net $915

OctGross $1,176 · Net $917

NovGross $1,163 · Net $919

DecGross $1,150 · Net $885

JanGross $1,137 · Net $887

FebGross $1,124 · Net $889

Compliance Timeline

2026-01-07 08:14

Affordability Check

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

2026-01-25 11:22

Deduction Sync

Lender Gateway · Submission matched payroll for MicroPlan.

2026-01-27 15:09

Profile Review

PSC Officer · Periodic review closed with no exception.

2026-07-03 09:35

Distress Forecast

Risk Model · 30-day distress probability scored at 40%.

Case Notes

2 notes

AI Case Desk2026-07-11

Baseline review completed. Distress probability currently 40%.

PSC Officer2026-07-15

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 2026-07-15

Reconcile lender deductions vs signed consent

In Progress

Compliance Analyst · due 2026-07-15

Compliance Note: Next review is due on 2026-07-15. 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: $894

Risk posture: LOW (22.0% DTI)

Policy checkpoint: review in 2026-07-15

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.