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Servant Profile EC-2026-000041

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

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Kudakwashe Moyo

EC-2026-000041 EducationMash East · C5

LAST PAYROLL SYNC

2026-05-17

Open disputes: 0

Gross Salary

$1,960

Monthly Deduction

$706

Current DTI

36.0%

Credit Score

720

Distress Probability

65%

Identity and Employment

PeopleSoft ID

PS-00000041

Bank Account

****0520

Years in Service

14 years

Employment Start

2012-09-25

Policy Review

2026-09-01

Primary Lender

ZB Bank

Contact and Channel

Phone

+263 7720 80 60

kudakwashe.moyo@gov.zw

District

Mash East Central

Preferred Channel

SMS

Risk Drivers

Debt-to-Income pressure

36.0% 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-40-00041	ZB Bank	Emergency	2024-05-13	2027-02-20	$2,440	$1,464	$92	closing
LN-41-00041	MicroPlan	Top-up	2025-09-22	2027-08-01	$520	$338	$38	restructured

Payroll Trend (Last 6 Months)

SepGross $1,935 · Net $1,226

OctGross $1,922 · Net $1,230

NovGross $1,999 · Net $1,291

DecGross $1,986 · Net $1,259

JanGross $1,973 · Net $1,263

FebGross $1,960 · Net $1,266

Compliance Timeline

2026-09-05 08:14

Affordability Check

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

2026-05-17 11:22

Deduction Sync

Lender Gateway · Submission matched payroll for ZB Bank.

2026-09-09 15:09

Profile Review

PSC Officer · Periodic review closed with no exception.

2026-01-21 09:35

Distress Forecast

Risk Model · 30-day distress probability scored at 65%.

Case Notes

2 notes

AI Case Desk2026-05-17

Baseline review completed. Distress probability currently 65%.

PSC Officer2026-09-01

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 2026-09-01

Reconcile lender deductions vs signed consent

In Progress

Compliance Analyst · due 2026-09-01

Distress Alert: Next review is due on 2026-09-01. 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: $1,254

Risk posture: HIGH (36.0% DTI)

Policy checkpoint: review in 2026-09-01

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.