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Servant Profile EC-2026-000071

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

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Vimbai Moyo

EC-2026-000071 EducationMash East · B1

LAST PAYROLL SYNC

2026-11-15

Open disputes: 0

Gross Salary

$1,470

Monthly Deduction

$529

Current DTI

36.0%

Credit Score

730

Distress Probability

65%

Identity and Employment

PeopleSoft ID

PS-00000071

Bank Account

****0910

Years in Service

23 years

Employment Start

2003-03-15

Policy Review

2026-03-15

Primary Lender

ZB Bank

Contact and Channel

Phone

+263 7710 90 30

vimbai.moyo@gov.zw

District

Mash East Central

Preferred Channel

SMS

Risk Drivers

Debt-to-Income pressure

36.0% 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-70-00071	ZB Bank	Emergency	2024-11-15	2027-08-22	$1,370	$411	$103	closing
LN-71-00071	MicroPlan	Top-up	2025-03-24	2027-02-03	$2,560	$896	$81	restructured

Payroll Trend (Last 6 Months)

SepGross $1,475 · Net $932

OctGross $1,462 · Net $936

NovGross $1,449 · Net $939

DecGross $1,436 · Net $907

JanGross $1,513 · Net $968

FebGross $1,500 · Net $972

Compliance Timeline

2026-09-15 08:14

Affordability Check

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

2026-05-01 11:22

Deduction Sync

Lender Gateway · Submission matched payroll for ZB Bank.

2026-09-15 15:09

Profile Review

PSC Officer · Periodic review closed with no exception.

2026-07-15 09:35

Distress Forecast

Risk Model · 30-day distress probability scored at 65%.

Case Notes

2 notes

AI Case Desk2026-11-15

Baseline review completed. Distress probability currently 65%.

PSC Officer2026-03-15

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 2026-03-15

Reconcile lender deductions vs signed consent

In Progress

Compliance Analyst · due 2026-03-15

Distress Alert: Next review is due on 2026-03-15. 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: $941

Risk posture: HIGH (36.0% DTI)

Policy checkpoint: review in 2026-03-15

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.