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Servant Profile EC-2026-000064

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

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Tariro Ncube

EC-2026-000064 FinanceHarare · B1

LAST PAYROLL SYNC

2026-10-08

Open disputes: 0

Gross Salary

$1,211

Monthly Deduction

$448

Current DTI

37.0%

Credit Score

597

Distress Probability

67%

Identity and Employment

PeopleSoft ID

PS-00000064

Bank Account

****0819

Years in Service

2 years

Employment Start

2024-04-08

Policy Review

2026-10-22

Primary Lender

MicroPlan

Contact and Channel

Phone

+263 7789 41 67

tariro.ncube@gov.zw

District

Harare Central

Preferred Channel

Risk Drivers

Debt-to-Income pressure

37.0% 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-63-00064	MicroPlan	Salary Loan	2025-04-08	2027-01-15	$1,013	$233	$35	active
LN-64-00064	CBZ Bank	Emergency	2024-08-17	2027-07-24	$2,084	$584	$146	closing
LN-65-00064	Steward Bank	Top-up	2025-12-26	2027-01-05	$555	$183	$35	restructured

Payroll Trend (Last 6 Months)

SepGross $1,209 · Net $750

OctGross $1,196 · Net $753

NovGross $1,183 · Net $757

DecGross $1,260 · Net $782

JanGross $1,247 · Net $786

FebGross $1,234 · Net $789

Compliance Timeline

2026-07-08 08:14

Affordability Check

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

2026-01-15 11:22

Deduction Sync

Lender Gateway · Submission matched payroll for MicroPlan.

2026-01-22 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 67%.

Case Notes

2 notes

AI Case Desk2026-10-08

Baseline review completed. Distress probability currently 67%.

PSC Officer2026-10-22

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 2026-10-22

Reconcile lender deductions vs signed consent

In Progress

Compliance Analyst · due 2026-10-22

Distress Alert: Next review is due on 2026-10-22. Recommended actions: freeze new top-ups, run restructuring simulation, and escalate to PSC case desk.

Deduction Summary

Primary lender: MicroPlan

Estimated take-home after deduction: $763

Risk posture: HIGH (37.0% DTI)

Policy checkpoint: review in 2026-10-22

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.