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Javier Tapia is a seasoned financial professional currently serving as Oficial de Negocios at Banco de Machala since April 2022, specializing in financial product management and customer service. Previous roles include Administrative Executive Assistant at Sparkassenstiftung für internationale Kooperation e.V., Instructor in credit advisory at EDUCENTER, and Official of Products and Services at Banco del Austro, where responsibilities encompassed product development, monitoring, and customer satisfaction assessments. Other experience includes credit analysis at COOPERATIVA JEP, project management at CAMINOSCA, and sales and customer service positions at Yanbal International and ASOCIACION DAMAS SALESIANAS. Javier holds a Specialist degree in Financial Inclusion and Management of Savings and Credit Cooperatives and has certifications in virtual training processes. An academic background includes a degree in Economics and additional studies in entrepreneurship and innovation.