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Nova Victoria Refulio Chirinos is an experienced professional in the banking and services sector, currently serving as Ejecutivo de Servicios at Inversiones La Cruz since May 2018, where responsibilities include supporting the agency's commercial goals across various products and services. Previously, Nova worked as Gestor II Cobranza Telefonica at Banco de Crédito BCP from December 2014 to March 2017, focusing on the recovery of overdue accounts and earning recognition as Mejor Gestor for the fourth quarter. Prior experience includes serving as Promotor de Servicios at Scotiabank from December 2011 to September 2014, providing customer assistance with banking transactions and product placements. Nova is pursuing a degree in Administration and International Business at Universidad Privada del Norte and holds a Técnico en Administración Bancaria from IFBCERTUS.