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Servant Profile EC-2026-000055

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

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Tendai Mlambo

EC-2026-000055 AgricultureHarare · C5

LAST PAYROLL SYNC

2026-07-03

Open disputes: 0

Gross Salary

$878

Monthly Deduction

$299

Current DTI

34.1%

Credit Score

706

Distress Probability

62%

Identity and Employment

PeopleSoft ID

PS-00000055

Bank Account

****0702

Years in Service

2 years

Employment Start

2024-07-11

Policy Review

2026-07-15

Primary Lender

Steward Bank

Contact and Channel

Phone

+263 7762 78 86

tendai.mlambo@gov.zw

District

Harare Central

Preferred Channel

Risk Drivers

Debt-to-Income pressure

34.1% 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-54-00055	Steward Bank	Salary Loan	2024-07-27	2027-04-06	$554	$410	$35	active
LN-55-00055	GetBucks	Emergency	2025-11-08	2027-10-15	$1,472	$1,163	$129	closing

Payroll Trend (Last 6 Months)

SepGross $867 · Net $559

OctGross $854 · Net $563

NovGross $841 · Net $566

DecGross $918 · Net $593

JanGross $905 · Net $596

FebGross $892 · Net $600

Compliance Timeline

2026-01-19 08:14

Affordability Check

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

2026-01-17 11:22

Deduction Sync

Lender Gateway · Submission matched payroll for Steward Bank.

2026-01-23 15:09

Profile Review

PSC Officer · Periodic review closed with no exception.

2026-07-07 09:35

Distress Forecast

Risk Model · 30-day distress probability scored at 62%.

Case Notes

2 notes

AI Case Desk2026-07-03

Baseline review completed. Distress probability currently 62%.

PSC Officer2026-07-15

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 2026-07-15

Reconcile lender deductions vs signed consent

In Progress

Compliance Analyst · due 2026-07-15

Distress Alert: Next review is due on 2026-07-15. Recommended actions: freeze new top-ups, run restructuring simulation, and escalate to PSC case desk.

Deduction Summary

Primary lender: Steward Bank

Estimated take-home after deduction: $579

Risk posture: HIGH (34.1% 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.