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Servant Profile EC-2026-000025

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

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Tatenda Mlambo

EC-2026-000025 AgricultureHarare · B2

LAST PAYROLL SYNC

2026-01-05

Open disputes: 0

Gross Salary

$1,368

Monthly Deduction

$465

Current DTI

34.0%

Credit Score

696

Distress Probability

62%

Identity and Employment

PeopleSoft ID

PS-00000025

Bank Account

****0312

Years in Service

20 years

Employment Start

2006-01-21

Policy Review

2026-01-01

Primary Lender

Steward Bank

Contact and Channel

Phone

+263 7772 68 16

tatenda.mlambo@gov.zw

District

Harare Central

Preferred Channel

Risk Drivers

Debt-to-Income pressure

34.0% 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-24-00025	Steward Bank	Salary Loan	2024-01-25	2027-10-04	$1,624	$715	$51	active
LN-25-00025	GetBucks	Emergency	2025-05-06	2027-04-13	$2,032	$996	$142	closing

Payroll Trend (Last 6 Months)

SepGross $1,417 · Net $923

OctGross $1,404 · Net $927

NovGross $1,391 · Net $930

DecGross $1,378 · Net $897

JanGross $1,365 · Net $901

FebGross $1,352 · Net $904

Compliance Timeline

2026-01-09 08:14

Affordability Check

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

2026-01-05 11:22

Deduction Sync

Lender Gateway · Submission matched payroll for Steward Bank.

2026-01-17 15:09

Profile Review

PSC Officer · Periodic review closed with no exception.

2026-01-13 09:35

Distress Forecast

Risk Model · 30-day distress probability scored at 62%.

Case Notes

2 notes

AI Case Desk2026-01-05

Baseline review completed. Distress probability currently 62%.

PSC Officer2026-01-01

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 2026-01-01

Reconcile lender deductions vs signed consent

In Progress

Compliance Analyst · due 2026-01-01

Distress Alert: Next review is due on 2026-01-01. 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: $903

Risk posture: HIGH (34.0% DTI)

Policy checkpoint: review in 2026-01-01

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.