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Servant Profile EC-2026-000027

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

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Farai Dube

EC-2026-000027 JusticeMat North · C5

LAST PAYROLL SYNC

2026-03-03

Open disputes: 0

Gross Salary

$1,442

Monthly Deduction

$548

Current DTI

38.0%

Credit Score

734

Distress Probability

69%

Identity and Employment

PeopleSoft ID

PS-00000027

Bank Account

****0338

Years in Service

26 years

Employment Start

2000-11-11

Policy Review

2026-11-15

Primary Lender

CBZ Bank

Contact and Channel

Phone

+263 7778 82 34

farai.dube@gov.zw

District

Mat North Central

Preferred Channel

Portal

Risk Drivers

Debt-to-Income pressure

38.0% 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-26-00027	CBZ Bank	Top-up	2024-03-27	2027-12-06	$1,726	$794	$50	restructured
LN-27-00027	Steward Bank	Salary Loan	2025-07-08	2027-06-15	$2,168	$1,106	$123	active

Payroll Trend (Last 6 Months)

SepGross $1,403 · Net $858

OctGross $1,480 · Net $918

NovGross $1,467 · Net $922

DecGross $1,454 · Net $889

JanGross $1,441 · Net $893

FebGross $1,428 · Net $897

Compliance Timeline

2026-05-19 08:14

Affordability Check

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

2026-09-17 11:22

Deduction Sync

Lender Gateway · Submission matched payroll for CBZ Bank.

2026-05-23 15:09

Profile Review

PSC Officer · Periodic review closed with no exception.

2026-07-07 09:35

Distress Forecast

Risk Model · 30-day distress probability scored at 69%.

Case Notes

2 notes

AI Case Desk2026-03-03

Baseline review completed. Distress probability currently 69%.

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: CBZ Bank

Estimated take-home after deduction: $894

Risk posture: HIGH (38.0% 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.