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Servant Profile EC-2026-000094

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

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Blessing Ncube

EC-2026-000094 FinanceHarare · C3

LAST PAYROLL SYNC

2026-04-06

Open disputes: 0

Gross Salary

$721

Monthly Deduction

$267

Current DTI

37.0%

Credit Score

607

Distress Probability

67%

Identity and Employment

PeopleSoft ID

PS-00000094

Bank Account

****1209

Years in Service

11 years

Employment Start

2015-10-26

Policy Review

2026-04-08

Primary Lender

MicroPlan

Contact and Channel

Phone

+263 7779 51 37

blessing.ncube@gov.zw

District

Harare Central

Preferred Channel

Risk Drivers

Debt-to-Income pressure

37.0% 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-93-00094	MicroPlan	Salary Loan	2025-10-10	2027-07-17	$2,543	$1,348	$104	active
LN-94-00094	CBZ Bank	Emergency	2024-02-19	2027-01-26	$1,524	$884	$147	closing
LN-95-00094	Steward Bank	Top-up	2025-06-28	2027-07-07	$505	$318	$35	restructured

Payroll Trend (Last 6 Months)

SepGross $749 · Net $460

OctGross $736 · Net $464

NovGross $723 · Net $467

DecGross $710 · Net $435

JanGross $697 · Net $439

FebGross $684 · Net $443

Compliance Timeline

2026-07-18 08:14

Affordability Check

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

2026-01-27 11:22

Deduction Sync

Lender Gateway · Submission matched payroll for MicroPlan.

2026-01-28 15:09

Profile Review

PSC Officer · Periodic review closed with no exception.

2026-10-16 09:35

Distress Forecast

Risk Model · 30-day distress probability scored at 67%.

Case Notes

2 notes

AI Case Desk2026-04-06

Baseline review completed. Distress probability currently 67%.

PSC Officer2026-04-08

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 2026-04-08

Reconcile lender deductions vs signed consent

In Progress

Compliance Analyst · due 2026-04-08

Distress Alert: Next review is due on 2026-04-08. Recommended actions: freeze new top-ups, run restructuring simulation, and escalate to PSC case desk.

Deduction Summary

Primary lender: MicroPlan

Estimated take-home after deduction: $454

Risk posture: HIGH (37.0% DTI)

Policy checkpoint: review in 2026-04-08

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.