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Servant Profile EC-2026-000076

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

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MEDIUMActive

Tariro Mapfumo

EC-2026-000076 DefenceHarare · C5

LAST PAYROLL SYNC

2026-10-24

Open disputes: 0

Gross Salary

$1,655

Monthly Deduction

$513

Current DTI

31.0%

Credit Score

545

Distress Probability

56%

Identity and Employment

PeopleSoft ID

PS-00000076

Bank Account

****0975

Years in Service

11 years

Employment Start

2015-04-04

Policy Review

2026-10-22

Primary Lender

ZB Bank

Contact and Channel

Phone

+263 7725 25 75

tariro.mapfumo@gov.zw

District

Harare Central

Preferred Channel

Risk Drivers

Debt-to-Income pressure

31.0% 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-75-00076	ZB Bank	Salary Loan	2025-04-20	2027-01-27	$1,625	$569	$63	active
LN-76-00076	MicroPlan	Emergency	2024-08-01	2027-07-08	$2,900	$1,160	$73	closing
LN-77-00076	CBZ Bank	Top-up	2025-12-10	2027-01-17	$1,575	$709	$79	restructured

Payroll Trend (Last 6 Months)

SepGross $1,665 · Net $1,137

OctGross $1,652 · Net $1,140

NovGross $1,639 · Net $1,143

DecGross $1,626 · Net $1,110

JanGross $1,703 · Net $1,175

FebGross $1,690 · Net $1,178

Compliance Timeline

2026-07-12 08:14

Affordability Check

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

2026-01-03 11:22

Deduction Sync

Lender Gateway · Submission matched payroll for ZB Bank.

2026-01-02 15:09

Profile Review

PSC Officer · Periodic review closed with no exception.

2026-04-14 09:35

Distress Forecast

Risk Model · 30-day distress probability scored at 56%.

Case Notes

2 notes

AI Case Desk2026-10-24

Baseline review completed. Distress probability currently 56%.

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

Compliance Note: Next review is due on 2026-10-22. 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: $1,142

Risk posture: MEDIUM (31.0% 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.