PayGate ZW
PSC Officer
PSC Operations
Servant Profile EC-2026-000031
Detailed affordability profile, distress signals, payroll behavior, and compliance trace for case management.
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LOWActive
Tendai Moyo
EC-2026-000031 EducationHarare · C3
LAST PAYROLL SYNC
2026-07-27
Open disputes: 0
Gross Salary
$1,590
Monthly Deduction
$254
Current DTI
16.0%
Credit Score
530
Distress Probability
29%
Identity and Employment
PeopleSoft ID
PS-00000031
Bank Account
****0390
Years in Service
11 years
Employment Start
2015-07-19
Policy Review
2026-07-15
Primary Lender
ZB Bank
Contact and Channel
Phone
+263 7790 10 70
Email
tendai.moyo@gov.zw
District
Harare Central
Preferred Channel
WhatsApp
Risk Drivers
Debt-to-Income pressure
16.0% 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-30-00031 | ZB Bank | Salary Loan | 2024-07-03 | 2027-04-10 | $1,930 | $965 | $161 | active |
| LN-31-00031 | MicroPlan | Emergency | 2025-11-12 | 2027-10-19 | $2,440 | $1,342 | $103 | closing |
Payroll Trend (Last 6 Months)
SepGross $1,555 · Net $1,294
OctGross $1,632 · Net $1,371
NovGross $1,619 · Net $1,372
DecGross $1,606 · Net $1,337
JanGross $1,593 · Net $1,338
FebGross $1,580 · Net $1,339
Compliance Timeline
2026-01-11 08:14
Affordability Check
Policy Engine · DTI evaluated against active cap. No hard breach detected.
2026-01-13 11:22
Deduction Sync
Lender Gateway · Submission matched payroll for ZB Bank.
2026-01-07 15:09
Profile Review
PSC Officer · Periodic review closed with no exception.
2026-07-23 09:35
Distress Forecast
Risk Model · 30-day distress probability scored at 29%.
Case Notes
2 notesAI Case Desk2026-07-27
Baseline review completed. Distress probability currently 29%.
PSC Officer2026-07-15
Track DTI trend monthly and trigger intervention if it crosses policy cap.
Intervention Tasks
2 openRun affordability simulation for next payroll cycle
OpenPSC Case Desk · due 2026-07-15
Reconcile lender deductions vs signed consent
In ProgressCompliance 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: ZB Bank
Estimated take-home after deduction: $1,336
Risk posture: LOW (16.0% 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.