PayGate ZW
PSC Officer
PSC Operations
Servant Profile EC-2026-000085
Detailed affordability profile, distress signals, payroll behavior, and compliance trace for case management.
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Tatenda Mlambo
EC-2026-000085 AgricultureHarare · B1
LAST PAYROLL SYNC
2026-01-01
Open disputes: 0
Gross Salary
$1,988
Monthly Deduction
$676
Current DTI
34.0%
Credit Score
716
Distress Probability
62%
Identity and Employment
PeopleSoft ID
PS-00000085
Bank Account
****1092
Years in Service
11 years
Employment Start
2015-01-01
Policy Review
2026-01-01
Primary Lender
Steward Bank
Contact and Channel
Phone
+263 7752 88 56
Email
tatenda.mlambo@gov.zw
District
Harare Central
Preferred Channel
WhatsApp
Risk Drivers
Debt-to-Income pressure
34.0% 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-84-00085 | Steward Bank | Salary Loan | 2024-01-01 | 2027-10-08 | $2,084 | $917 | $229 | active |
| LN-85-00085 | GetBucks | Emergency | 2025-05-10 | 2027-04-17 | $912 | $447 | $41 | closing |
Payroll Trend (Last 6 Months)
SepGross $2,007 · Net $1,313
OctGross $1,994 · Net $1,316
NovGross $1,981 · Net $1,319
DecGross $1,968 · Net $1,287
JanGross $1,955 · Net $1,290
FebGross $2,032 · Net $1,353
Compliance Timeline
2026-01-01 08:14
Affordability Check
Policy Engine · DTI evaluated against active cap. No hard breach detected.
2026-01-01 11:22
Deduction Sync
Lender Gateway · Submission matched payroll for Steward Bank.
2026-01-01 15:09
Profile Review
PSC Officer · Periodic review closed with no exception.
2026-01-01 09:35
Distress Forecast
Risk Model · 30-day distress probability scored at 62%.
Case Notes
2 notesAI Case Desk2026-01-01
Baseline review completed. Distress probability currently 62%.
PSC Officer2026-01-01
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 2026-01-01
Reconcile lender deductions vs signed consent
In ProgressCompliance Analyst · due 2026-01-01
Distress Alert: Next review is due on 2026-01-01. Recommended actions: freeze new top-ups, run restructuring simulation, and escalate to PSC case desk.
Deduction Summary
Primary lender: Steward Bank
Estimated take-home after deduction: $1,312
Risk posture: HIGH (34.0% DTI)
Policy checkpoint: review in 2026-01-01
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.