Having one less click would certainly be bad for the runner. Especially if they have a Wyldside or the like out with no Adjusted Chronotype. But realistically it probably wouldn't take the runner too long to get the credits/breakers they need in order to trash this card and net themselves 2 points. In the meantime, this card isn't going to make scoring agendas too much easier like Director Haas or bring them closer to a flatline like Chairman Hiro. Those are both game winning scenarios, whereas losing a click each turn is more of a temporary thorn in the runners side.
When combined though, with bioroid ice, Haas-Bioroid: Stronger Together, and Enhanced Login Protocol it would be especially effective; forcing the runner to pay through enhanced bioroid ice is pretty taxing. At 5 influence though, it would take up most of your space if you included even 2 of these.
I think I came up with another way to use this card though, and in faction. If you rez this card on the runners turn, they would immediately lose a click yes? I believe so. In that case, combine it with Heinlein Grid. As long as the runner has a spare click when running at your Heinlein server, you could rez both Heinlein and Victoria, forcing the runner to lose a click and all credits. Then hopefully they won't be able to trash your Heinlein or Victoria if she is in the same server. They won't be able to steal your NAPD Contract. Then with only 3 clicks per turn, it will take the runner more time to recover from losing all credits. I think this combo would be fun to try with Spark Agency: Worldswide Reach as your id. After losing all credits, you could help keep them poor with well timed advertisements. One other thing that would be great would be: when they finally have to money and they run again at your server, you could have a single advanced Test Ground ready. Midrun, you could use test ground to derez Victoria, then immediately rez her again. The runner would gain a click and then immediately lose one, again activating Heinlein. This would be super hilarious in my opinion.
Is this card competitive? Perhaps not. I only play casually though, and enjoy trying new cards and new strategies. I'm going to try her out.