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Servant Profile EC-2026-000051

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

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MEDIUMActive

Farai Moyo

EC-2026-000051 EducationMat North · D1

LAST PAYROLL SYNC

2026-03-07

Open disputes: 0

Gross Salary

$730

Monthly Deduction

$190

Current DTI

26.0%

Credit Score

630

Distress Probability

47%

Identity and Employment

PeopleSoft ID

PS-00000051

Bank Account

****0650

Years in Service

17 years

Employment Start

2009-11-03

Policy Review

2026-11-15

Primary Lender

ZB Bank

Contact and Channel

Phone

+263 7750 50 50

farai.moyo@gov.zw

District

Mat North Central

Preferred Channel

Portal

Risk Drivers

Debt-to-Income pressure

26.0% 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-50-00051	ZB Bank	Top-up	2024-03-23	2027-12-02	$2,950	$2,065	$172	restructured
LN-51-00051	MicroPlan	Salary Loan	2025-07-04	2027-06-11	$1,200	$900	$180	active

Payroll Trend (Last 6 Months)

SepGross $715 · Net $517

OctGross $702 · Net $519

NovGross $779 · Net $588

DecGross $766 · Net $555

JanGross $753 · Net $557

FebGross $740 · Net $560

Compliance Timeline

2026-05-27 08:14

Affordability Check

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

2026-09-21 11:22

Deduction Sync

Lender Gateway · Submission matched payroll for ZB Bank.

2026-05-11 15:09

Profile Review

PSC Officer · Periodic review closed with no exception.

2026-07-19 09:35

Distress Forecast

Risk Model · 30-day distress probability scored at 47%.

Case Notes

2 notes

AI Case Desk2026-03-07

Baseline review completed. Distress probability currently 47%.

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

Compliance Note: Next review is due on 2026-11-15. 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: $540

Risk posture: MEDIUM (26.0% 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.