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Servant Profile EC-2026-000087

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

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Farai Dube

EC-2026-000087 JusticeMat North · C3

LAST PAYROLL SYNC

2026-03-27

Open disputes: 0

Gross Salary

$2,062

Monthly Deduction

$784

Current DTI

38.0%

Credit Score

754

Distress Probability

69%

Identity and Employment

PeopleSoft ID

PS-00000087

Bank Account

****1118

Years in Service

17 years

Employment Start

2009-11-19

Policy Review

2026-11-15

Primary Lender

CBZ Bank

Contact and Channel

Phone

+263 7758 02 74

farai.dube@gov.zw

District

Mat North Central

Preferred Channel

Portal

Risk Drivers

Debt-to-Income pressure

38.0% 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-86-00087	CBZ Bank	Top-up	2024-03-03	2027-12-10	$2,186	$1,006	$168	restructured
LN-87-00087	Steward Bank	Salary Loan	2025-07-12	2027-06-19	$1,048	$534	$41	active

Payroll Trend (Last 6 Months)

SepGross $2,083 · Net $1,279

OctGross $2,070 · Net $1,283

NovGross $2,057 · Net $1,287

DecGross $2,044 · Net $1,255

JanGross $2,031 · Net $1,259

FebGross $2,108 · Net $1,319

Compliance Timeline

2026-05-11 08:14

Affordability Check

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

2026-09-13 11:22

Deduction Sync

Lender Gateway · Submission matched payroll for CBZ Bank.

2026-05-07 15:09

Profile Review

PSC Officer · Periodic review closed with no exception.

2026-07-23 09:35

Distress Forecast

Risk Model · 30-day distress probability scored at 69%.

Case Notes

2 notes

AI Case Desk2026-03-27

Baseline review completed. Distress probability currently 69%.

PSC Officer2026-11-15

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 2026-11-15

Reconcile lender deductions vs signed consent

In Progress

Compliance Analyst · due 2026-11-15

Distress Alert: Next review is due on 2026-11-15. Recommended actions: freeze new top-ups, run restructuring simulation, and escalate to PSC case desk.

Deduction Summary

Primary lender: CBZ Bank

Estimated take-home after deduction: $1,278

Risk posture: HIGH (38.0% DTI)

Policy checkpoint: review in 2026-11-15

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.