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Servant Profile EC-2026-000066

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

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CRITICALIn Arrears

Rumbidzai Mapfumo

EC-2026-000066 DefenceMat North · C3

LAST PAYROLL SYNC

2026-12-06

Open disputes: 0

Gross Salary

$1,285

Monthly Deduction

$527

Current DTI

41.0%

Credit Score

635

Distress Probability

75%

Identity and Employment

PeopleSoft ID

PS-00000066

Bank Account

****0845

Years in Service

8 years

Employment Start

2018-02-26

Policy Review

2026-08-08

Primary Lender

ZB Bank

Contact and Channel

Phone

+263 7795 55 85

rumbidzai.mapfumo@gov.zw

District

Mat North Central

Preferred Channel

Portal

Risk Drivers

Debt-to-Income pressure

41.0% 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-65-00066	ZB Bank	Top-up	2025-06-10	2027-03-17	$1,115	$279	$35	restructured
LN-66-00066	MicroPlan	Salary Loan	2024-10-19	2027-09-26	$2,220	$666	$111	active
LN-67-00066	CBZ Bank	Emergency	2025-02-28	2027-03-07	$725	$254	$35	closing

Payroll Trend (Last 6 Months)

SepGross $1,285 · Net $746

OctGross $1,272 · Net $750

NovGross $1,259 · Net $755

DecGross $1,246 · Net $723

JanGross $1,323 · Net $781

FebGross $1,310 · Net $785

Compliance Timeline

2026-11-18 08:14

Affordability Check

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

2026-09-27 11:22

Deduction Sync

Lender Gateway · Submission matched payroll for ZB Bank.

2026-05-28 15:09

Profile Review

PSC Officer · Periodic review closed with no exception.

2026-10-16 09:35

Distress Forecast

Risk Model · 30-day distress probability scored at 75%.

Case Notes

2 notes

AI Case Desk2026-12-06

Baseline review completed. Distress probability currently 75%.

PSC Officer2026-08-08

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 2026-08-08

Reconcile lender deductions vs signed consent

In Progress

Compliance Analyst · due 2026-08-08

Distress Alert: Next review is due on 2026-08-08. 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: $758

Risk posture: CRITICAL (41.0% DTI)

Policy checkpoint: review in 2026-08-08

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.