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PSC Officer
PSC Operations
Servant Profile EC-2026-000056
Detailed affordability profile, distress signals, payroll behavior, and compliance trace for case management.
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LOWActive
Munashe Mapfumo
EC-2026-000056 DefenceMash East · C1
LAST PAYROLL SYNC
2026-02-16
Open disputes: 1
Gross Salary
$915
Monthly Deduction
$192
Current DTI
21.0%
Credit Score
725
Distress Probability
46%
Identity and Employment
PeopleSoft ID
PS-00000056
Bank Account
****0715
Years in Service
5 years
Employment Start
2021-12-20
Policy Review
2026-06-22
Primary Lender
ZB Bank
Contact and Channel
Phone
+263 7765 85 95
Email
munashe.mapfumo@gov.zw
District
Mash East Central
Preferred Channel
SMS
Risk Drivers
Debt-to-Income pressure
21.0% 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-55-00056 | ZB Bank | Emergency | 2025-08-28 | 2027-05-07 | $605 | $454 | $35 | closing |
| LN-56-00056 | MicroPlan | Top-up | 2024-12-09 | 2027-11-16 | $1,540 | $308 | $35 | restructured |
| LN-57-00056 | CBZ Bank | Salary Loan | 2025-04-18 | 2027-05-25 | $2,475 | $619 | $36 | active |
Payroll Trend (Last 6 Months)
SepGross $905 · Net $703
OctGross $892 · Net $705
NovGross $879 · Net $706
DecGross $956 · Net $743
JanGross $943 · Net $745
FebGross $930 · Net $747
Compliance Timeline
2026-03-24 08:14
Affordability Check
Policy Engine · DTI evaluated against active cap. No hard breach detected.
2026-05-23 11:22
Deduction Sync
Lender Gateway · Submission matched payroll for ZB Bank.
2026-09-26 15:09
Profile Review
PSC Officer · Manual follow-up triggered due to open dispute count.
2026-04-18 09:35
Distress Forecast
Risk Model · 30-day distress probability scored at 46%.
Case Notes
2 notesAI Case Desk2026-02-16
Baseline review completed. Distress probability currently 46%.
PSC Officer2026-06-22
Track DTI trend monthly and trigger intervention if it crosses policy cap.
Intervention Tasks
2 openRun affordability simulation for next payroll cycle
OpenPSC Case Desk · due 2026-06-22
Reconcile lender deductions vs signed consent
In ProgressCompliance Analyst · due 2026-06-22
Compliance Note: Next review is due on 2026-06-22. 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: $723
Risk posture: LOW (21.0% DTI)
Policy checkpoint: review in 2026-06-22
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.