What are the main factors that influence a Credit Manager's salary?

The primary factors are: 1) Experience Level, 2) Geographic Location, 3) Education/Skills, 4) Company Size & Industry

How does experience change A Credit Manager's salary?

A Credit Manager's salary grows with experience: an Entry Credit Analyst (0-2 years)earns $58,083, an Intermediate Credit Analyst (2-4 years)earns $69,371, a Senior Credit Analyst (4-7 years)earns $85,031, a Credit Manager (7+ years)earns $117,652, a Vice President of Credit (7+ years)earns $207,199,

What are the highest paying states for a Credit Manager?

Credit Manager salary varies significantly by state. The top 3 highest paying states for Credit Manager roles are District of Columbia $130,300, California $129,800, Massachusetts $128,100. These tech hubs typically pay 10-15% above the national average.

How much do different types of Credit Manager roles make?

Salaries for Credit Manager level roles vary by specialization: Credit Policy Manager: $154,845; Credit Manager - Lending: $139,893; Credit Risk Senior Manager: $138,082; Credit Risk Manager: $124,459; Commercial Credit Analysis Manager: $122,133.

How do different companies affect a Credit Manager's salary?

Company size, industry, and compensation structure create significant salary variations for Credit Manager roles. Large, established industry leaders like C R Bard Inc ($128,509) and Henry Schein Canada ($124,697) offer base salaries 35-40% above the national average. In contrast, smaller firms or startups may offer closer to $82,041.

Credit Manager Salary in the United States

How much does a Credit Manager make in the United States?

As of September 01, 2026, the average salary for a Credit Manager in the United States is $117,700 per year, which breaks down to an hourly rate of $57.

However, a Credit Manager's salary can vary significantly. Here’s a look at the typical salary range:

Top Earners (90th percentile): $141,772
Majority Range (25th-75th percentile): $105,100 to $130,300
Entry-Level (10th percentile): $93,628

10% $93,628

50% (Median) $117,700

90% $141,772

Credit Manager Salaries by Percentile

	Annual Salary	Monthly Pay	Weekly Pay	Hourly Wage
75th Percentile	$130,300	$10,858	$2,506	$63
Average	$117,700	$9,808	$2,263	$57
25th Percentile	$105,100	$8,758	$2,021	$51

Salary Factors Salary-Boosting Skills Salary by Experience Related Job Salaries Top Paying Cities Explore Related Jobs

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Key Factors That Influence Credit Manager Salaries

A Credit Manager's salary isn't a fixed number. It's shaped by several important factors. Below, we'll explore how your years of experience, geographic location, education and company size can directly affect your earning potential.

How Experience Level Affects Credit Manager Salaries?

Experience is a primary driver of a Credit Manager's salary. As you build your skills and take on more complex tasks, your compensation generally increases. Here's how the average salary grows at different career stages:

Entry Credit Analyst (0-2 years): $58,083
Intermediate Credit Analyst (2-4 years): $69,371
Senior Credit Analyst (4-7 years): $85,031
Credit Manager (7+ years): $117,652
Vice President of Credit (7+ years): $207,199

Job Role	Years of Experience	Average Salary
Entry Credit Analyst	0-2 years	$58,083
Intermediate Credit Analyst	2-4 years	$69,371
Senior Credit Analyst	4-7 years	$85,031
Credit Manager	7+ years	$117,652
Vice President of Credit	7+ years	$207,199

View as Graph

How Do Credit Manager Salaries Vary from State to State?

Your salary can change significantly depending on where you work. States with a higher cost of living and strong industrial sectors often pay more to attract Credit Managers. For example, consider the average annual salaries in these key locations:

District of Columbia: $130,300.
California: $129,800.
Massachusetts: $128,100.

District of Columbia $130,300 California $129,800 Massachusetts $128,100 Washington $127,600 New Jersey $127,600 Alaska $127,400 Connecticut $125,800 New York $125,100

Hawaii $123,000 Rhode Island $122,000 Maryland $121,400 Minnesota $120,400 Colorado $120,100 Illinois $120,000 Oregon $119,500 Delaware $119,200

New Hampshire $119,000 Virginia $118,500 Pennsylvania $117,200 Nevada $116,500 North Dakota $116,300 Michigan $115,900 Wisconsin $115,800 Vermont $115,500

Maine $114,800 Texas $114,800 Arizona $114,700 Ohio $114,600 Georgia $113,500 Indiana $113,000 Wyoming $112,900 Utah $112,700

Iowa $112,600 Kansas $112,100 Louisiana $111,900 North Carolina $111,900 Missouri $111,800 Florida $111,400 Montana $111,100 Nebraska $110,900

Kentucky $110,800 South Carolina $110,300 Tennessee $110,000 Idaho $109,900 New Mexico $109,000 Oklahoma $108,800 Alabama $108,100 South Dakota $107,000

Arkansas $106,300 West Virginia $106,000 Mississippi $105,000

Top Paying Cities for Credit Managers

Salaries can also vary between different cities. Major metropolitan areas or cities with a high demand for technicians often offer more competitive pay. Here are a few examples of average annual salaries in different U.S. cities:

San Jose: $148,400
San Francisco: $146,800
Oakland: $143,700

San Jose, CA $148,400

San Francisco, CA $146,800

Oakland, CA $143,700

New York, NY $135,500

Paramus, NJ $133,900

Queens Village, NY $133,900

Passaic, NJ $133,700

Bergenfield, NJ $133,700

Stamford, CT $133,500

Huntington, NY $133,400

Newark, NJ $132,600

Bridgeport, CT $132,300

Vallejo, CA $132,100

New Brunswick, NJ $132,000

Petaluma, CA $132,000

Middlesex, NJ $131,700

Somerset, NJ $131,700

Santa Cruz, CA $131,500

Boston, MA $130,800

Monterey, CA $130,400

Seattle, WA $130,100

Santa Rosa, CA $130,100

Los Angeles, CA $130,000

Juneau, AK $129,700

Washington, DC $129,600

Orange, CA $129,200

Santa Ana, CA $128,900

Long Beach, CA $128,800

Anchorage, AK $128,700

Anaheim, CA $128,700

Santa Maria, CA $128,300

Everett, WA $128,300

Danbury, CT $127,900

Bremerton, WA $127,700

Tacoma, WA $127,300

New Suffolk, NY $127,300

Sacramento, CA $127,300

Santa Barbara, CA $127,100

Trenton, NJ $127,000

San Diego, CA $127,000

Brockton, MA $126,900

Fairbanks, AK $126,600

Lompoc, CA $126,300

Lowell, MA $126,200

Ventura, CA $126,200

Nashua, NH $126,100

Stockton, CA $126,100

Modesto, CA $125,300

Poughkeepsie, NY $125,000

Olympia, WA $124,800

Kennewick, WA $124,800

New Haven, CT $124,700

Lawrence, MA $124,300

Hartford, CT $124,200

Riverside, CA $124,200

New Bedford, MA $124,100

Richland, WA $124,100

San Bernardino, CA $123,900

Bakersfield, CA $123,900

New Britain, CT $123,800

Atlantic City, NJ $123,800

New London, CT $123,800

Norwich, CT $123,800

Portsmouth, NH $123,700

Boulder, CO $123,500

Worcester, MA $123,300

Portland, OR $123,300

Minneapolis, MN $122,900

Philadelphia, PA $122,800

Honolulu, HI $122,400

Saint Paul, MN $122,300

Vineland, NJ $122,300

Providence, RI $122,000

Chicago, IL $121,600

Bellingham, WA $121,500

Baltimore, MD $121,400

Springfield, MA $121,400

Chico, CA $121,100

Pittsfield, MA $120,700

Manchester, NH $120,500

Spokane, WA $120,000

Denver, CO $120,000

Albany, NY $119,400

Troy, NY $119,400

Nassau, NY $119,300

Schenectady, NY $119,100

Wilmington, DE $119,100

Burlington, VT $118,900

Salem, OR $118,800

Portland, ME $118,500

Yakima, WA $118,400

Rochester, MN $118,000

Reno, NV $117,900

Fresno, CA $117,900

Milwaukee, WI $117,800

Detroit, MI $117,700

Ann Arbor, MI $117,700

Allentown, PA $117,700

Colorado Springs, CO $117,500

Syracuse, NY $117,400

Carson City, NV $117,400

Houston, TX $117,300

Eugene, OR $117,200

Gary, IN $117,100

Springfield, OR $117,000

Bismarck, ND $116,900

Galveston, TX $116,900

Medford, OR $116,700

Concord, NH $116,600

Fort Collins, CO $116,600

Austin, TX $116,500

Mesa, AZ $116,300

Reading, PA $116,300

Phoenix, AZ $116,300

Dallas, TX $116,200

Saint Cloud, MN $116,100

Madison, WI $116,000

Utica, NY $115,600

Rochester, NY $115,500

Des Moines, IA $115,400

Raleigh, NC $115,400

Atlanta, GA $115,300

Battle Creek, MI $115,200

Salt Lake City, UT $115,200

Lancaster, PA $115,000

Harrisburg, PA $114,800

Columbus, OH $114,700

Fort Worth, TX $114,700

Champaign, IL $114,700

Kansas City, KS $114,700

Kansas City, MO $114,700

Boca Raton, FL $114,600

Pittsburgh, PA $114,600

Richmond, VA $114,500

Indianapolis, IN $114,500

Cleveland, OH $114,500

Las Vegas, NV $114,400

Cincinnati, OH $114,400

Petersburg, VA $114,200

Huntsville, AL $114,000

Lansing, MI $113,900

Lebanon, PA $113,900

Pueblo, CO $113,900

Appleton, WI $113,900

Buffalo, NY $113,800

Dayton, OH $113,800

Racine, WI $113,800

Charlotte, NC $113,800

Elkhart, IN $113,700

Saint Louis, MO $113,700

York, PA $113,700

Gastonia, NC $113,600

Billings, MT $113,600

Beaumont, TX $113,600

Toledo, OH $113,500

Lorain, OH $113,500

Benton Harbor, MI $113,500

Rockford, IL $113,400

Rock Hill, SC $113,400

Binghamton, NY $113,400

Springfield, IL $113,300

Elyria, OH $113,300

Fargo, ND $113,300

Flagstaff, AZ $113,200

Fort Lauderdale, FL $113,200

Duluth, MN $113,100

Miami, FL $113,100

Cheyenne, WY $113,000

Grand Forks, ND $113,000

Bangor, ME $112,700

Cedar Rapids, IA $112,600

Durham, NC $112,600

Louisville, KY $112,600

Grand Rapids, MI $112,500

Hialeah, FL $112,500

Casper, WY $112,400

Virginia Beach, VA $112,200

New Orleans, LA $112,200

Scranton, PA $112,200

Akron, OH $112,100

Peoria, IL $112,000

Sarasota, FL $111,900

Nashville, TN $111,900

Omaha, NE $111,900

Green Bay, WI $111,900

Charleston, SC $111,800

Baton Rouge, LA $111,800

Davenport, IA $111,700

Jamestown, NY $111,700

Tucson, AZ $111,700

Saint Petersburg, FL $111,600

Tampa, FL $111,600

Evansville, IN $111,500

Port Arthur, TX $111,500

Bradenton, FL $111,400

Santa Fe, NM $111,200

Clearwater, FL $111,000

Orlando, FL $111,000

La Crosse, WI $110,700

Canton, OH $110,700

Albuquerque, NM $110,700

Newport News, VA $110,700

High Point, NC $110,600

Ogden, UT $110,600

Corpus Christi, TX $110,500

Laramie, WY $110,400

Norfolk, VA $110,400

Rock Island, IL $110,300

Saginaw, MI $110,300

Jacksonville, FL $110,300

Salisbury, NC $110,300

Boise, ID $110,300

Moline, IL $110,200

Fort Myers, FL $110,200

Memphis, TN $110,100

Tulsa, OK $110,100

Waterloo, IA $110,000

Spartanburg, SC $109,900

Lincoln, NE $109,800

Fort Wayne, IN $109,800

Provo, UT $109,800

Cedar Falls, IA $109,700

San Antonio, TX $109,600

Greensboro, NC $109,600

South Bend, IN $109,500

Birmingham, AL $109,400

Savannah, GA $109,400

Muskegon, MI $109,400

Winston Salem, NC $109,300

Lake Charles, LA $109,000

Anderson, IN $109,000

Lexington, KY $109,000

Augusta, GA $108,900

Greenville, SC $108,900

Wichita, KS $108,800

Lima, OH $108,800

Tuscaloosa, AL $108,800

Springfield, OH $108,700

Columbia, SC $108,700

Asheville, NC $108,500

Bloomington, IN $108,400

Knoxville, TN $108,000

Shreveport, LA $108,000

Wilmington, NC $107,800

Roanoke, VA $107,800

Topeka, KS $107,600

Frankfort, KY $107,600

Melbourne, FL $107,500

Longview, TX $107,500

Oklahoma City, OK $107,500

Chillicothe, OH $107,500

Sioux Falls, SD $107,300

Mobile, AL $107,300

Terre Haute, IN $107,200

Altoona, PA $107,100

Amarillo, TX $107,100

Killeen, TX $107,000

Chattanooga, TN $106,900

Fayetteville, AR $106,900

Sioux City, IA $106,800

Idaho Falls, ID $106,800

Lynchburg, VA $106,700

Gainesville, FL $106,500

Portsmouth, OH $106,500

Little Rock, AR $106,400

Lafayette, LA $106,400

Youngstown, OH $106,400

Temple, TX $106,300

Pensacola, FL $106,300

Clarksville, TN $106,300

Daytona Beach, FL $106,300

Hopkinsville, KY $105,900

Erie, PA $105,900

Florence, SC $105,900

Charleston, WV $105,700

Great Falls, MT $105,600

Macon, GA $105,500

Waco, TX $105,400

Tallahassee, FL $105,400

Fayetteville, NC $105,400

Helena, MT $105,300

Pine Bluff, AR $105,300

Vincennes, IN $105,100

Lubbock, TX $105,100

Alamogordo, NM $105,000

Twin Falls, ID $104,900

Rapid City, SD $104,900

Jackson, MS $104,700

Greenville, MS $104,600

Huntington, WV $104,600

Parkersburg, WV $104,500

Montgomery, AL $104,500

Wichita Falls, TX $104,400

Springfield, MO $104,400

Biloxi, MS $104,300

Monroe, LA $104,200

Columbus, GA $104,100

Sumter, SC $104,100

Johnstown, PA $104,100

Pascagoula, MS $103,800

Abilene, TX $103,800

Kingsport, TN $103,500

Albany, GA $103,500

Gulfport, MS $103,500

Alexandria, LA $103,100

Fort Smith, AR $102,800

El Paso, TX $102,500

Las Cruces, NM $102,000

Harlingen, TX $101,700

Pocatello, ID $101,700

Florence, AL $101,500

Brownsville, TX $101,500

Mcallen, TX $101,200

Dothan, AL $101,100

Columbus, MS $100,400

Altus, OK $99,800

Lawton, OK $99,600

Pierre, SD $99,200

What Skills Can Increase a Credit Manager's Salary?

Demanded Skills for the Role:

Customer Service (Mentioned in 6.58% Job Postings): Customer service is the provision of service to customers before, during and after a purchase. The perception of success of such interactions is dependent on employees "who can adjust themselves to the personality of the guest". Customer service concerns the priority an organization assigns to customer service relative to components such as product innovation and pricing. In this sense, an organization that values good customer service may spend more money in training employees than the average organization or may proactively interview customers for feedback. From the point of view of an overall sales process engineering effort, customer service plays an important role in an organization's ability to generate income and revenue. From that perspective, customer service should be included as part of an overall approach to systematic improvement. One good customer service experience can change the entire perception a customer holds towards the organization.
Credit Card (Mentioned in 2.26% Job Postings): A credit card is a type of credit facility, provided by banks that allow customers to borrow funds within a pre-approved credit limit.
Marketing Plans (Mentioned in 1.76% Job Postings): A marketing plan is the advertising strategy that a business will implement to sell its product or service. The marketing plan will help determine who the target market is, how to reach them, at what price point the product or service should be sold.

Skills	Demand Percentage
Customer Service	6.58%
Credit Card	2.26%
Marketing Plans	1.76%

See More Skills

What skills can make your compensation higher?

Mastering certain specialized skills can lead to a significant increase in pay. Here are examples of skills and the potential impact they can have on a Credit Manager's salary.

Team Management: Can increase your salary by up to 7%.
Front Office: Can increase your salary by up to 7%.
Coaching: Can increase your salary by up to 6%.

Skill	Salary	Salary % Increase
Team Management	$125,939	7%
Front Office	$125,939	7%
Coaching	$124,762	6%

Get Latest Data

Credit Manager Salary by Company Size: Startups vs. Enterprise

Credit Manager salary potential scales significantly with company size. Data shows that Enterprise companies (5,000+ employees) pay the highest average salary at around $131,535. While startup companies pay approximate $111,265.

Credit Manager Salary by Company Size

Company Size	Employees	Average Salary
Startup	1~50	$111,265
Growth Stage	51~500	$117,674
Established	501~5000	$127,014
Enterprise	5000+	$131,535

Credit Manager Salary by Industry: Top Paying Sectors

For Credit Manager roles, the industry you choose can affect earning potential by as much as 31% (the gap between the highest and lowest paying industries). Data shows that the Internet and Biotechnology sectors offer the strongest compensation, at 12% above the average. In contrast, Credit Manager positions in Transportation or Hospitality & Leisure typically offer lower base pay, as these industries often view Credit Manager as a support function rather than a direct revenue driver.

The top paying industries for a Credit Manager

Industry Sector	Average Annual Salary	Average Hourly Rate	Pay vs.Avg
Internet	$131,824	$63.0	12%
Biotechnology	$129,470	$62.0	10%
Financial Services	$129,470	$62.0	10%
Pharmaceuticals	$127,116	$61.0	8%
Software & Networking	$127,116	$61.0	8%

How Education impacts a Credit Manager's Salary?

Your level of education can impact your salary potential. While many Credit Managers enter the field with a Bachelor's Degree degree, higher education can lead to more specialized and higher-paying roles.

According to our 100% employer-reported salary data, the median salary for a Credit Manager with a Bachelor's Degree is between $111,445 and $121,751).

Credit Manager Salaries by Degree Level

$124,700
$122,800
$120,900
$119,000
$117,100
$115,300
$113,400
$111,500

Typical Education for Credit Manager
Degree Level	% of user with this level of education
No Diploma	5.8%
High School	5.8%
Associates	1.9%
Bachelors	43.3%
Masters	44.2%
Doctorate	4.8%

View as Graph

Credit Manager Salary: Hourly Rate, Weekly Pay, and Monthly Pay

Understanding how a Credit Manager's annual salary breaks down can help with budgeting. Below, you can see the average hourly rate, weekly pay, and monthly pay for this role. Use the buttons to switch between different pay periods.

$105,100

Average $117,700/year

$130,300

$8,758

Average $9,808/month

$10,858

$2,021

Average $2,263/week

$2,506

$51

Average $57/hour

$63

	Annual Salary	Monthly Pay	Weekly Pay	Hourly Wage
75th Percentile	$130,300	$10,858	$2,506	$63
Average	$117,700	$9,808	$2,263	$57
25th Percentile	$105,100	$8,758	$2,021	$51

Credit Manager Salary Growth & Career Path

Credit Manager

Next Role

Vice President of Credit

For a Credit Manager, the most direct path to higher earnings is advancing to the Vice President of Credit role. This promotion typically comes with a significant pay increase, bringing the average annual salary to $207,200 - a projected growth of 76% over your current level.

Salary Trends for Credit Manager

Salaries for a Credit Manager can change over time, reflecting shifts in market demand and the overall economy. The median salary decreased from $109,163 in 2023 to around $107,904 in 2025, reflecting changes in demand, location, experience, and the wider economy. For a detailed analysis of Credit Manager salary trends, .

Average Annual Salary of Credit Manager Over Time

$???
$109,163
$108,607
$107,904
$???
$???

2022
2023
2024
2025
2026
2027

Year	Average Annual Salary
2022	View More
2023	$109,163
2024	$108,607
2025	$107,904
2026	View More
2027	View More

Most common benefits for Credit Manager

Social Security
401 (k)
Disability
Healthcare
Pension
Time Off (days)

Common company salaries for Credit Manager

Here are companies hiring for Credit Manager and their salaries, click below for more details.

C $128,509/per year

C R Bard Inc Biotechnology the United States

H $124,697/per year

Henry Schein Canada Biotechnology the United States

N $123,899/per year

Nordex Inc Biotechnology the United States

N $120,416/per year

Nipro Corp Biotechnology the United States

E $115,870/per year

Enovis Biotechnology the United States

A $114,553/per year

Advanced Research Projects Agency - Energy Biotechnology the United States

M $112,110/per year

MiniMed Inc Biotechnology the United States

L $111,500/per year

Labcorp Drug Development Biotechnology the United States

L $110,229/per year

Life Technologies Corp Biotechnology the United States

Z $106,224/per year

Zimmer Biomet Biotechnology the United States

P $103,077/per year

Promontory Therapeutics Biotechnology the United States

S $102,181/per year

Steris PLC Biotechnology the United States

G $97,274/per year

Gavin Conferences Pty Ltd Biotechnology the United States

E $94,764/per year

Endeavor BioMedicines Biotechnology the United States

R $94,402/per year

Replay Holdings LLC Biotechnology the United States

P $94,235/per year

Pleno Inc Biotechnology the United States

S $93,666/per year

Simulaids Inc Biotechnology the United States

N $88,880/per year

NOIRLab/CAS Biotechnology the United States

O $86,468/per year

Onward Technology Biotechnology the United States

L $84,895/per year

LED Medical Diagnostics Inc Biotechnology the United States

E $84,682/per year

Eyeco Ltd Biotechnology the United States

P $84,523/per year

Paerosol Biotechnology the United States

I $83,525/per year

IONIQ Sciences Inc Biotechnology the United States

S $82,815/per year

Stateside PPE Biotechnology the United States

D $82,041/per year

Digi Bio Biotechnology the United States

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FAQ about Credit Manager

1. What industry pays the highest salary for Credit Manager?

The Internet industry offers the highest average compensation for Credit Manager roles, with salaries approximately 12% above the market median.

2. Is credit management a good career?

Credit Management as a Career: A career in credit management can be both challenging and rewarding. With salaries ranging from $101,600 to $139,700, it offers financial stability. If you have an eye for problem-solving, a passion for finance, and the desire to contribute to a successful business, this career path may be an excellent fit for you.

3. What is the highest salary of a credit manager?

The highest salary for a Credit Manager is ₹13,97,000 per year (₹1,16,417 per month). The average starting salary in India is around ₹3,00,000 per year (₹25,000 per month), with a minimum of 1 year of experience required to qualify for this role.

4. How much do Apple credit risk managers make?

Credit Managers at Apple can expect to earn between $101,600 and $139,700 annually, with a median salary of approximately $120,400. This reflects a competitive compensation range for professionals in this role, significantly higher than the average pay for Risk Managers in the industry.

5. Do you need a degree to be a credit manager?

At a minimum, credit managers are expected to have a bachelor's degree in finance or a related field. An online Bachelor of Science in Accounting can provide essential knowledge in finance, statistics, data analytics, and auditing. The salary for credit managers typically ranges from $101,600 to $139,700, with a mid-salary of $120,400.

6. Why managers are usually highly paid?

Managers are usually highly paid due to the significant responsibility they carry. For instance, a Credit Manager can earn between $101,600 and $139,700, with a mid-salary of $120,400. This higher compensation reflects their accountability for financial decisions and the scrutiny they face when outcomes are not favorable.

7. What does a credit manager do?

A credit manager evaluates and oversees the credit-granting process for organizations, using credit scores and risk assessments to determine loan eligibility. The salary for a credit manager typically ranges from $101,600 to $139,700, with a mid-salary of $120,400, reflecting their expertise in managing financial risk and customer creditworthiness.

Where Does Our Salary Data Come From?

Salary.com provides salary estimates, histograms, trends, and comparisons using data from employer job postings and third-party sources.

We offer detailed salary information across multiple percentiles for your reference. (Click here to learn Why the Salary Midpoint Formula Is Crucial for Achieving Pay Equity.)

With the most extensive online, real-time compensation data available, Salary.com helps you pinpoint your exact pay target.

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