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Servant Profile EC-2026-000036

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

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CRITICALIn Arrears

Tinashe Mapfumo

EC-2026-000036 DefenceMat North · B1

LAST PAYROLL SYNC

2026-06-08

Open disputes: 0

Gross Salary

$1,775

Monthly Deduction

$728

Current DTI

41.0%

Credit Score

625

Distress Probability

75%

Identity and Employment

PeopleSoft ID

PS-00000036

Bank Account

****0455

Years in Service

26 years

Employment Start

2000-08-08

Policy Review

2026-02-22

Primary Lender

ZB Bank

Contact and Channel

Phone

+263 7705 45 15

tinashe.mapfumo@gov.zw

District

Mat North Central

Preferred Channel

Portal

Risk Drivers

Debt-to-Income pressure

41.0% of gross

↑ trend

Repayment consistency

98% 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-35-00036	ZB Bank	Top-up	2025-12-08	2027-09-15	$2,185	$1,202	$109	restructured
LN-36-00036	MicroPlan	Salary Loan	2024-04-17	2027-03-24	$2,780	$1,668	$417	active
LN-37-00036	CBZ Bank	Emergency	2025-08-26	2027-09-05	$775	$504	$46	closing

Payroll Trend (Last 6 Months)

SepGross $1,745 · Net $1,018

OctGross $1,822 · Net $1,075

NovGross $1,809 · Net $1,079

DecGross $1,796 · Net $1,048

JanGross $1,783 · Net $1,052

FebGross $1,770 · Net $1,056

Compliance Timeline

2026-11-08 08:14

Affordability Check

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

2026-09-15 11:22

Deduction Sync

Lender Gateway · Submission matched payroll for ZB Bank.

2026-05-22 15:09

Profile Review

PSC Officer · Periodic review closed with no exception.

2026-04-22 09:35

Distress Forecast

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

Case Notes

2 notes

AI Case Desk2026-06-08

Baseline review completed. Distress probability currently 75%.

PSC Officer2026-02-22

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 2026-02-22

Reconcile lender deductions vs signed consent

In Progress

Compliance Analyst · due 2026-02-22

Distress Alert: Next review is due on 2026-02-22. Recommended actions: freeze new top-ups, run restructuring simulation, and escalate to PSC case desk.

Deduction Summary

Primary lender: ZB Bank

Estimated take-home after deduction: $1,047

Risk posture: CRITICAL (41.0% DTI)

Policy checkpoint: review in 2026-02-22

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.