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Servant Profile EC-2026-000034

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

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Blessing Ncube

EC-2026-000034 FinanceHarare · C5

LAST PAYROLL SYNC

2026-04-10

Open disputes: 1

Gross Salary

$1,701

Monthly Deduction

$629

Current DTI

37.0%

Credit Score

587

Distress Probability

75%

Identity and Employment

PeopleSoft ID

PS-00000034

Bank Account

****0429

Years in Service

20 years

Employment Start

2006-10-18

Policy Review

2026-04-08

Primary Lender

MicroPlan

Contact and Channel

Phone

+263 7799 31 97

blessing.ncube@gov.zw

District

Harare Central

Preferred Channel

Risk Drivers

Debt-to-Income pressure

37.0% of gross

↑ trend

Repayment consistency

90% on-time in last 12 months

↓ trend

Loan stack depth

3 active facilities

↑ trend

Loan Accounts

Account	Lender	Facility	Start	Maturity	Principal	Outstanding	Installment	Status
LN-33-00034	MicroPlan	Salary Loan	2025-10-06	2027-07-13	$2,083	$1,104	$123	active
LN-34-00034	CBZ Bank	Emergency	2024-02-15	2027-01-22	$2,644	$1,534	$96	closing
LN-35-00034	Steward Bank	Top-up	2025-06-24	2027-07-03	$605	$381	$42	restructured

Payroll Trend (Last 6 Months)

SepGross $1,669 · Net $1,039

OctGross $1,746 · Net $1,100

NovGross $1,733 · Net $1,104

DecGross $1,720 · Net $1,072

JanGross $1,707 · Net $1,075

FebGross $1,694 · Net $1,079

Compliance Timeline

2026-07-26 08:14

Affordability Check

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

2026-01-03 11:22

Deduction Sync

Lender Gateway · Submission matched payroll for MicroPlan.

2026-01-16 15:09

Profile Review

PSC Officer · Manual follow-up triggered due to open dispute count.

2026-10-28 09:35

Distress Forecast

Risk Model · 30-day distress probability scored at 75%.

Case Notes

2 notes

AI Case Desk2026-04-10

Baseline review completed. Distress probability currently 75%.

PSC Officer2026-04-08

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 2026-04-08

Reconcile lender deductions vs signed consent

In Progress

Compliance Analyst · due 2026-04-08

Distress Alert: Next review is due on 2026-04-08. Recommended actions: freeze new top-ups, run restructuring simulation, and escalate to PSC case desk.

Deduction Summary

Primary lender: MicroPlan

Estimated take-home after deduction: $1,072

Risk posture: HIGH (37.0% DTI)

Policy checkpoint: review in 2026-04-08

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.