Servant Lookup

Live

PSC Operations

Servant Profile EC-2026-000096

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

Back to Lookup

CRITICALIn Arrears

Tinashe Mapfumo

EC-2026-000096 DefenceMat North · D3

LAST PAYROLL SYNC

2026-06-04

Open disputes: 0

Gross Salary

$795

Monthly Deduction

$326

Current DTI

41.0%

Credit Score

645

Distress Probability

75%

Identity and Employment

PeopleSoft ID

PS-00000096

Bank Account

****1235

Years in Service

17 years

Employment Start

2009-08-16

Policy Review

2026-02-22

Primary Lender

ZB Bank

Contact and Channel

Phone

+263 7785 65 55

tinashe.mapfumo@gov.zw

District

Mat North Central

Preferred Channel

Portal

Risk Drivers

Debt-to-Income pressure

41.0% 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-95-00096	ZB Bank	Top-up	2025-12-12	2027-09-19	$2,645	$1,455	$97	restructured
LN-96-00096	MicroPlan	Salary Loan	2024-04-21	2027-03-28	$1,660	$996	$125	active
LN-97-00096	CBZ Bank	Emergency	2025-08-02	2027-09-09	$675	$439	$35	closing

Payroll Trend (Last 6 Months)

SepGross $825 · Net $475

OctGross $812 · Net $479

NovGross $799 · Net $483

DecGross $786 · Net $452

JanGross $773 · Net $456

FebGross $760 · Net $460

Compliance Timeline

2026-11-28 08:14

Affordability Check

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

2026-09-11 11:22

Deduction Sync

Lender Gateway · Submission matched payroll for ZB Bank.

2026-05-06 15:09

Profile Review

PSC Officer · Periodic review closed with no exception.

2026-04-10 09:35

Distress Forecast

Risk Model · 30-day distress probability scored at 75%.

Case Notes

2 notes

AI Case Desk2026-06-04

Baseline review completed. Distress probability currently 75%.

PSC Officer2026-02-22

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 2026-02-22

Reconcile lender deductions vs signed consent

In Progress

Compliance Analyst · due 2026-02-22

Distress Alert: Next review is due on 2026-02-22. Recommended actions: freeze new top-ups, run restructuring simulation, and escalate to PSC case desk.

Deduction Summary

Primary lender: ZB Bank

Estimated take-home after deduction: $469

Risk posture: CRITICAL (41.0% DTI)

Policy checkpoint: review in 2026-02-22

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.