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Humberto Mesias Espinoza possesses extensive experience in the finance sector, particularly in debt collection and operational management at AFP HABITAT since May 2013, serving as an Analista de Cobranza. Responsibilities include overseeing massive debt collection processes, managing legal claims, purchasing judicial tariffs, and controlling data for risk assessment nationwide. Prior to this role, Humberto held multiple positions at AFP INTEGRA S.A. from April 2001 to April 2013, including Assistant roles in Operations and Fund Management, where tasks involved processing payment sheets and ensuring compliance with SBS regulations. Educational qualifications include a Bachelor's degree in Business Administration from UPC and a Technical degree in Business Administration, Finance, and Computing from IPAE.