PayGate ZW
PSC Officer
PSC Operations
Servant Profile EC-2026-000091
Detailed affordability profile, distress signals, payroll behavior, and compliance trace for case management.
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LOWActive
Tendai Moyo
EC-2026-000091 EducationHarare · C1
LAST PAYROLL SYNC
2026-07-23
Open disputes: 0
Gross Salary
$610
Monthly Deduction
$98
Current DTI
16.1%
Credit Score
550
Distress Probability
29%
Identity and Employment
PeopleSoft ID
PS-00000091
Bank Account
****1170
Years in Service
2 years
Employment Start
2024-07-27
Policy Review
2026-07-15
Primary Lender
ZB Bank
Contact and Channel
Phone
+263 7770 30 10
Email
tendai.moyo@gov.zw
District
Harare Central
Preferred Channel
WhatsApp
Risk Drivers
Debt-to-Income pressure
16.1% 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-90-00091 | ZB Bank | Salary Loan | 2024-07-07 | 2027-04-14 | $2,390 | $1,195 | $120 | active |
| LN-91-00091 | MicroPlan | Emergency | 2025-11-16 | 2027-10-23 | $1,320 | $726 | $43 | closing |
Payroll Trend (Last 6 Months)
SepGross $635 · Net $521
OctGross $622 · Net $522
NovGross $609 · Net $523
DecGross $596 · Net $488
JanGross $583 · Net $489
FebGross $570 · Net $490
Compliance Timeline
2026-01-03 08:14
Affordability Check
Policy Engine · DTI evaluated against active cap. No hard breach detected.
2026-01-09 11:22
Deduction Sync
Lender Gateway · Submission matched payroll for ZB Bank.
2026-01-19 15:09
Profile Review
PSC Officer · Periodic review closed with no exception.
2026-07-11 09:35
Distress Forecast
Risk Model · 30-day distress probability scored at 29%.
Case Notes
2 notesAI Case Desk2026-07-23
Baseline review completed. Distress probability currently 29%.
PSC Officer2026-07-15
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 2026-07-15
Reconcile lender deductions vs signed consent
In ProgressCompliance Analyst · due 2026-07-15
Compliance Note: Next review is due on 2026-07-15. 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: $512
Risk posture: LOW (16.1% DTI)
Policy checkpoint: review in 2026-07-15
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.