As of August 01, 2026, the average salary for an AR/Collections/Credit Analyst in the United States is $69,408 per year, which breaks down to an hourly rate of $33.
However, an AR/Collections/Credit Analyst's salary can vary significantly. Here’s a look at the typical salary range:
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An AR/Collections/Credit Analyst'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.
Experience is a primary driver of an AR/Collections/Credit Analyst'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:
| Levels | Salary |
|---|---|
| Credit An... Level AR/Collections/Credit Analyst | $56,586 |
| AR/Collec... Level AR/Collections/Credit Analyst | $67,580 |
| Credit An... Level AR/Collections/Credit Analyst | $82,839 |
| Credit An... Level AR/Collections/Credit Analyst | $114,619 |
| VP of Cre... Level AR/Collections/Credit Analyst | $201,868 |
What Am I Worth?
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 AR/Collections/Credit Analysts. For example, consider the average annual salaries in these key locations:
Demanded Skills for the Role:
| Skills | Demand Percentage |
|---|---|
| Analysis | 17.96% |
| Microsoft Office | 2.45% |
| Loan Review | 1.02% |
| Skill | Salary | Salary % Increase |
|---|---|---|
|
Due Diligence
|
$74,961 |
8%
|
|
Risk Management
|
$74,961 |
8%
|
|
Commercial Banking
|
$72,879 |
5%
|
|
Leadership
|
$72,185 |
4%
|
|
Collaboration
|
$72,185 |
4%
|
|
Initiative
|
$72,185 |
4%
|
For AR/Collections/Credit Analyst roles, the industry you choose can affect earning potential by as much as 83% (the gap between the highest and lowest paying industries). Data shows that the Pharmaceuticals and Financial Services sectors offer the strongest compensation, at 30% above the average. In contrast, AR/Collections/Credit Analyst positions in Transportation or Hospitality & Leisure typically offer lower base pay, as these industries often view AR/Collections/Credit Analyst as a support function rather than a direct revenue driver.
| Industry Sector | Average Annual Salary | Average Hourly Rate | Pay vs.Avg |
|---|---|---|---|
| Pharmaceuticals | $90,231 | $43.0 | 30% |
| Financial Services | $86,760 | $42.0 | 25% |
| Software & Networking | $83,290 | $40.0 | 20% |
| Biotechnology | $79,819 | $38.0 | 15% |
| Insurance | $77,737 | $37.0 | 12% |
Your level of education can impact your salary potential. While many AR/Collections/Credit Analysts enter the field with a Associate'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 an AR/Collections/Credit Analyst with a Associate's Degree is between $66,374 and $70,680).
AR/Collections/Credit Analyst Salaries by Degree Level
| Degree Level | % of user with this level of education |
|---|---|
| No Diploma | 8.2% |
| High School | 8.2% |
| Associates | 3.8% |
| Bachelors | 57.7% |
| Masters | 30.3% |
| Doctorate | 0.0% |
Understanding how an AR/Collections/Credit Analyst'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.
Last Updated on August 01, 2026Salaries for an AR/Collections/Credit Analyst can change over time, reflecting shifts in market demand and the overall economy. The median salary increased from $66,610 in 2023 to around $66,985 in 2025, reflecting changes in demand, location, experience, and the wider economy. For a detailed analysis of AR/Collections/Credit Analyst salary trends, .
| Year | Average Annual Salary |
|---|---|
| 2022 |
View More
|
| 2023 | $66,610 |
| 2024 | $67,351 |
| 2025 | $66,985 |
| 2026 |
View More
|
| 2027 |
View More
|
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The Pharmaceuticals industry offers the highest average compensation for AR/Collections/Credit Analyst roles, with salaries approximately 30% above the market median.
Salary.com provides salary estimates, histograms, trends, and comparisons using data from employer job postings and third-party sources.
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