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Credit Manager Average Salary in Iraq 2024

How much money does a person working as Credit Manager make in Iraq?


Average Monthly Salary
3,290,000 IQD
( 39,500,000 IQD yearly)

LOW
1,780,000
IQD
AVERAGE
3,290,000
IQD
HIGH
4,970,000
IQD
All salary figures displayed here are per month except when noted otherwise.
All salary and compensation figures displayed here are gross salary figures, that is the salary before tax deductions. Because taxes may differ across sectors and locations, it is difficult to accurately calculate the net salary after tax for every career.

A person working as Credit Manager in Iraq typically earns around 3,290,000 IQD. Salaries range from 1,780,000 IQD (lowest) to 4,970,000 IQD (highest).


Salary Variance

This is the average salary including housing, transport, and other benefits. Credit Manager salaries in Iraq vary drastically based on experience, skills, gender, or location. Below you will find a detailed breakdown based on many different criteria.



Credit Manager Pay Scale and Salaries in Iraq

Median and salary distribution Iraq Credit Manager monthly
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Salary Structure and Pay Scale Comparison

5% of people earn
2,930,000 IQD or more
10% of people earn
2,620,000 to 2,930,000 IQD
20% of people earn
1,950,000 IQD or less
65% of people earn
1,950,000 to 2,620,000 IQD
Minimum Salary
1,780,000
IQD
Median
2,940,000
IQD
Maximum
4,970,000
IQD




Median Salary, maximum and minimum salary, minimum wage, starting salary, and the salary range

All salary figures displayed here are per month except when noted otherwise.
  • Salary Range, Minimum Wage, and Starting Salary

    Salaries for the position Credit Manager in Iraq range from 1,780,000 IQD (starting salary) to 4,970,000 IQD (maximum salary). It should be noted that the given figure is not the legally mandated minimum wage; rather, it represents the lowest figure reported in a salary survey that included thousands of participants and professionals from all regions of the country.

  • Median Salary

    With a median salary of 2,940,000 IQD, half of the professionals who work as Credit Manager in Iraq earn less than this amount, and the other half earn more. The median salary denotes the middle value of salaries. Ideally, you would want to belong to the group earning more than the median salary, located on the right side of the salary distribution graph.

  • Percentiles and Salary Scale

    The median is closely associated with two other values known as the 25th and 75th percentiles. By examining the salary distribution chart, it can be determined that 25% of professionals employed as Credit Manager in Iraq earn less than 2,460,000 IQD, while 75% earn more. Similarly, the chart shows that 75% earn less than 3,320,000 IQD while 25% earn more.

  • Pay Scale Structure

    To provide a better understanding of expected salaries, we categorized the frequently occurring salaries into different ranges. This approach provides a more precise representation of salary distribution for the job title Credit Manager in Iraq compared to simply calculating the average. The majority of reported salaries, approximately 65%, fall within the range of 1,950,000 IQD to 2,620,000 IQD. About 20% of salaries are below the 1,950,000 IQD mark, while 10% fall within the range of 2,620,000 IQD to 2,930,000 IQD. Only 5% of individuals have salaries exceeding 2,930,000 IQD.

Salary Comparison by Years of Experience / Credit Manager / Iraq

How do experience and age affect pay?

0 - 2 Years
2,060,000 IQD
2 - 5 Years+26%
2,610,000 IQD
5 - 10 Years+32%
3,440,000 IQD
10 - 15 Years+18%
4,040,000 IQD
15 - 20 Years+11%
4,470,000 IQD
20+ Years+6%
4,760,000 IQD
Percentage increase and decrease are relative to the previous value
Salary comparison by years of experience monthly Iraq Credit Manager
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The experience level is the most important factor in determining the salary. Naturally, the more years of experience the higher the wage. We broke down salaries by experience level for people working as Credit Manager and this is what we found.


All salary figures displayed here are per month except when noted otherwise.

Employees with less than two years of experience earn approximately 2,060,000 IQD.

While someone with an experience level between two and five years is expected to earn 2,610,000 IQD, 26% more than someone with less than two year's experience.

Moving forward, an experience level between five and ten years lands a salary of 3,440,000 IQD, 32% more than someone with two to five years of experience.

Additionally, professionals whose expertise span anywhere between ten and fifteen years get a salary equivalent to 4,040,000 IQD, 18% more than someone with five to ten years of experience.

If the experience level is between fifteen and twenty years, then the expected wage is 4,470,000 IQD, 11% more than someone with ten to fifteen years of experience.

Lastly, employees with more than twenty years of professional experience get a salary of 4,760,000 IQD, 6% more than people with fifteen to twenty years of experience.

On average, a person's salary doubles their starting salary by the time they cross the 10 years* experience mark.
* Based on the average change in salary over time. Salary variations differ from person to person.

Typical Salary Progress for Most Careers

Salary Comparison By Experience Level
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Salary Comparison By Education / Credit Manager / Iraq

How do education levels affect salaries?

Displayed below is the average salary variance between different education levels of professionals working as Credit Manager.

Certificate or Diploma
2,610,000 IQD
Bachelor's Degree+32%
3,440,000 IQD
Master's Degree+37%
4,710,000 IQD
Percentage increase and decrease are relative to the previous value
Salary comparison by education level monthly Iraq Credit Manager
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We all know that higher education equals a bigger salary, but how much more money can a degree add to your income? We broke down salaries by education level for the position Credit Manager in order to make a comparison.


Level 1: Certificate or Diploma

Employees at this education level have an average salary of 2,610,000 IQD.


Level 2: Bachelor's Degree

At this level, the average salary becomes 3,440,000 IQD, 32% more than the previous level.


Level 3: Master's Degree

At this level, the average salary becomes 4,710,000 IQD, 37% more than the previous level.



Is a Master's degree or an MBA worth it? Should you pursue higher education?

A Master's degree program or any post-graduate program in Iraq costs anywhere from 10,300,000 IQD to 30,900,000 IQD and lasts approximately two years. That is quite an investment.

You can't really expect any salary increases during the study period, assuming you already have a job. In most cases, a salary review is conducted once education is completed and the degree has been attained.

Many people pursue higher education as a tactic to switch to a higher-paying job. The numbers seem to support the theory. The average increase in compensation while changing jobs is approximately 10% more than the customary salary increment.

If you can afford the costs of higher education, the return on investment is definitely worth it. You should be able to recover the costs in roughly a year or so.


Typical Salary Difference by Education for Most Careers

Salary Comparison By Education Level
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Salary and Compensation Comparison By Gender / Credit Manager / Iraq

Salary comparison by gender Iraq Credit Manager monthly
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Though gender should not have an effect on pay, in reality, it does. So who gets paid more: men or women? For the people who work as Credit Manager in Iraq, the average difference between the salary of male and female employees is 10%.

Male
3,420,000 IQD
Female-9%
3,100,000 IQD
Percentage increase and decrease are relative to the previous value

Salary Comparison By Gender in Iraq for all Careers

Salary comparison by gender monthly Iraq
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Average Annual Salary Increment Percentage / Credit Manager / Iraq

How much are annual salary increments in Iraq for individuals working as Credit Manager? How often do employees get salary raises?

Individuals working as Credit Manager in Iraq are likely to observe a salary increase of approximately 11% every 21 months. The national average annual increment for all professions combined is 7% granted to employees every 20 months.

Annual Salary Increment Rate Iraq Credit Manager
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The figures provided here are averages of numbers. Those figures should be taken as general guidelines. Salary increments will vary from person to person and depend on many factors, but your performance and contribution to the success of the organization remain the most important factors in determining how much and how often you will be granted a raise.

Iraq / All Professions

Annual Salary Increment Rate Iraq
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The term Annual Salary Increase usually refers to the increase in 12 calendar month period, but because it is rare that people get their salaries reviewed exactly on the one-year mark, it is more meaningful to know the frequency and the rate at the time of the increase.

How to calculate the salary increment percentage?

The annual salary Increase in a calendar year (12 months) can be easily calculated as follows: Annual Salary Increase = Increase Rate x 12 / Increase Frequency

The average salary increase in one year (12 months) in Iraq is 4%.

Worldwide Salary Raises: All Countries and All Jobs

World Average Annual Salary Increment
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Salary Packages and Schemes

Not all compensation increases are reflected directly in the salary. Some companies offer upgraded packages to their staff instead of cash money. The figures displayed here account only for direct increments to the base salary.



Bonus and Incentive Rates / Credit Manager / Iraq

How much and how often are bonuses being awarded?Annual Salary Bonus Rate Iraq Credit Manager
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26% of surveyed staff reported that they haven't received any bonuses or incentives in the previous year while 74% said that they received at least one form of monetary bonus.

Those who got bonuses reported rates ranging from 6% to 7% of their annual salary.

Received Bonus
74%
No Bonus
26%

Types of Bonuses Considered

Individual Performance-Based Bonuses

The most standard form of bonus, where the employee is awarded based on their exceptional performance.

Company Performance Bonuses

Occasionally, some companies like to celebrate excess earnings and profits with their staff collectively in the form of bonuses that are granted to everyone. The amount of the bonus will probably be different from person to person depending on their role within the organization.

Goal-Based Bonuses

Granted upon achieving an important goal or milestone.

Holiday / End of Year Bonuses

These types of bonuses are given without a reason and usually resemble an appreciation token.

Bonuses Are Not Commissions!

People tend to confuse bonuses with commissions. A commission is a prefixed rate at which someone gets paid for items sold or deals completed while a bonus is in most cases arbitrary and unplanned.


What makes a position worthy of good bonuses and a high salary?

The main two types of jobs

Revenue GeneratorsSupporting Cast

Employees that are directly involved in generating revenue or profit for the organization. Their field of expertise usually matches the type of business.

Employees that support and facilitate the work of revenue generators. Their expertise is usually different from that of the core business operations.

Example:
A graphics designer working for a graphics designing company.

Example:
A graphic designer in the marketing department of a hospital.


Revenue generators usually get more and higher bonuses, higher salaries, and more frequent salary increments. The reason is quite simple: it is easier to quantify your value to the company in monetary terms when you participate in revenue generation.

Try to work for companies where your skills can generate revenue. We can't all generate revenue and that's perfectly fine.

Bonus Comparison by Seniority Level

Top management personnel and senior employees naturally exhibit higher bonus rates and frequencies than juniors. This is very predictable due to the inherent responsibilities of being higher in the hierarchy. People in top positions can easily get double or triple bonus rates than employees down the pyramid.

Average Hourly Wage / Credit Manager / Iraq


19,000 IQD per hour

The average hourly wage (pay per hour) for individuals working as Credit Manager in Iraq is 19,000 IQD.This is the rate they get paid for every worked hour.


Hourly Wage = Annual Salary / ( 52 x 5 x 8 )

About The Hourly Pay Rate

The hourly wage is the salary paid in one worked hour. Usually, jobs are classified into two categories: salaried jobs and hourly jobs. Salaried jobs pay a fixed amount regardless of the hours worked. Hourly jobs pay per worked hour. To convert salary into hourly wage the above formula is used (assuming 5 working days in a week and 8 working hours per day which is the standard for most jobs). The hourly wage calculation may differ slightly depending on the worked hours per week and the annual vacation allowance. The figures mentioned above are good approximations and are considered to be the standard. One major difference between salaried employees and hourly paid employees is overtime eligibility. Salaried employees are usually exempt from overtime as opposed to hourly paid staff.

What is the minimum hourly rate of pay?

The minimum pay rate per hour for people working as Credit Manager in Iraq is 10,200 IQD. This is the minimum as per the gathered data in the salary survey not the minimum hourly rate mandated by law.

Salary comparison with similar jobs

Job TitleAverage Salary
Accounting and Finance-100%
Account Examiner1,170,000 IQD-64%
Account Executive1,830,000 IQD-44%
Accountant1,540,000 IQD-53%
Accounting Analyst1,800,000 IQD-45%
Accounting Assistant1,210,000 IQD-63%
Accounting Associate1,120,000 IQD-66%
Accounting Clerk912,000 IQD-72%
Accounting Coordinator1,410,000 IQD-57%
Accounting Head2,890,000 IQD-12%
Accounting Manager3,050,000 IQD-7%
Accounting Officer1,090,000 IQD-67%
Accounting Specialist2,000,000 IQD-39%
Accounting Supervisor2,150,000 IQD-35%
Accounting Technician1,040,000 IQD-68%
Accounting Unit Controller2,460,000 IQD-25%
Accounts Executive2,000,000 IQD-39%
Accounts Officer1,160,000 IQD-65%
Accounts Payable and Receivable Specialist1,470,000 IQD-55%
Accounts Payable Assistant1,240,000 IQD-62%
Accounts Payable Associate1,420,000 IQD-57%
Accounts Payable Clerk1,070,000 IQD-67%
Accounts Payable Manager2,850,000 IQD-13%
Accounts Receivable Administrator2,180,000 IQD-34%
Accounts Receivable Clerk1,080,000 IQD-67%
Accounts Receivable Financial Analyst2,030,000 IQD-38%
Accounts Receivable Manager2,830,000 IQD-14%
Accounts Receivable Team Leader2,230,000 IQD-32%
Algorithmic Trading Specialist2,550,000 IQD-22%
Assistant Accountant1,160,000 IQD-65%
Assistant Accounting Manager2,750,000 IQD-16%
Assistant Auditor1,540,000 IQD-53%
Assistant Corporate Controller2,060,000 IQD-37%
Assistant Finance Manager3,200,000 IQD-3%
Assistant Financial Controller2,060,000 IQD-37%
Audit Director3,550,000 IQD+8%
Audit Supervisor2,700,000 IQD-18%
Auditing Clerk1,160,000 IQD-65%
Auditing Manager3,110,000 IQD-5%
Billing Clerk1,140,000 IQD-65%
Billing Coordinator1,360,000 IQD-59%
Billing Specialist1,540,000 IQD-53%
Billing Supervisor2,310,000 IQD-30%
Bookkeeper996,000 IQD-70%
Bookkeeping Specialist1,420,000 IQD-57%
Budget Analyst2,610,000 IQD-21%
Budget Manager3,140,000 IQD-5%
Business Support Analyst1,740,000 IQD-47%
Capital Markets Associate2,350,000 IQD-29%
Cash Flow Analyst2,300,000 IQD-30%
Cash Management Manager3,020,000 IQD-8%
Cash Management Officer1,760,000 IQD-46%
Cashbook Clerk981,000 IQD-70%
Chartered Accountant1,960,000 IQD-40%
Chief Accountant2,220,000 IQD-33%
Chief Financial Technology Officer3,200,000 IQD-3%
Collections Clerk952,000 IQD-71%
Collections Representative1,310,000 IQD-60%
Collections Specialist1,590,000 IQD-52%
Corporate Controller2,290,000 IQD-30%
Corporate Treasurer2,990,000 IQD-9%
Cost Accountant1,470,000 IQD-55%
Cost Accounting Manager3,110,000 IQD-5%
Cost Accounting Supervisor2,470,000 IQD-25%
Cost Analyst2,500,000 IQD-24%
Credit and Collection Manager3,040,000 IQD-8%
Credit and Collection Staff1,110,000 IQD-66%
Credit and Loans Officer1,140,000 IQD-65%
Credit Controller2,160,000 IQD-34%
Credit Manager3,290,000 IQD+0%
Debt Adviser2,420,000 IQD-26%
Debt Collector1,180,000 IQD-64%
Debtors Clerk1,070,000 IQD-67%
Debtors Controller1,090,000 IQD-67%
Deputy CFO4,190,000 IQD+27%
Deputy Head of Finance4,220,000 IQD+28%
Derivative Trader2,680,000 IQD-19%
Director of Finance4,490,000 IQD+36%
E-commerce Accountant1,520,000 IQD-54%
Economist3,460,000 IQD+5%
Equity Analyst2,670,000 IQD-19%
Escrow Assistant1,280,000 IQD-61%
Executive Accountant1,710,000 IQD-48%
External Auditor2,100,000 IQD-36%
Finance Administrator1,790,000 IQD-46%
Finance Analyst2,840,000 IQD-14%
Finance Associate1,340,000 IQD-59%
Finance Data Analyst2,460,000 IQD-25%
Finance Director4,550,000 IQD+38%
Finance Executive3,180,000 IQD-3%
Finance Licensing Clerk1,060,000 IQD-68%
Finance Licensing Manager2,820,000 IQD-14%
Finance Licensing Specialist1,600,000 IQD-51%
Finance Manager4,340,000 IQD+32%
Finance Officer1,410,000 IQD-57%
Finance President4,310,000 IQD+31%
Finance Relationship Manager3,460,000 IQD+5%
Finance Release Analyst1,730,000 IQD-47%
Finance Specialist2,570,000 IQD-22%
Finance Team Leader 3,510,000 IQD+7%
Financial Accountant1,460,000 IQD-56%
Financial Actuary2,400,000 IQD-27%
Financial Administrator2,400,000 IQD-27%
Financial Advisor2,830,000 IQD-14%
Financial Analyst2,690,000 IQD-18%
Financial Applications Specialist1,840,000 IQD-44%
Financial Assistant1,190,000 IQD-64%
Financial Associate1,490,000 IQD-55%
Financial Claims Analyst2,080,000 IQD-37%
Financial Claims Manager2,760,000 IQD-16%
Financial Claims Supervisor2,570,000 IQD-22%
Financial Clerk1,140,000 IQD-65%
Financial Commercial Analyst2,270,000 IQD-31%
Financial Compliance Analyst2,380,000 IQD-28%
Financial Compliance Officer2,420,000 IQD-26%
Financial Consultant2,060,000 IQD-37%
Financial Controller2,510,000 IQD-24%
Financial Coordinator1,390,000 IQD-58%
Financial Customer Service Manager2,620,000 IQD-20%
Financial Data Scientist2,850,000 IQD-13%
Financial Dealer and Broker1,610,000 IQD-51%
Financial Director4,270,000 IQD+30%
Financial Encoder1,250,000 IQD-62%
Financial Manager4,010,000 IQD+22%
Financial Modelling Analyst2,760,000 IQD-16%
Financial Operations Manager3,660,000 IQD+11%
Financial Policy Analyst2,330,000 IQD-29%
Financial Project Manager3,230,000 IQD-2%
Financial Quantitative Analyst2,580,000 IQD-22%
Financial Reporting Consultant2,140,000 IQD-35%
Financial Reporting Manager2,870,000 IQD-13%
Financial Section Head3,000,000 IQD-9%
Financial Services Manager3,740,000 IQD+14%
Financial Services Sales Agent1,660,000 IQD-50%
Financial Technology Consultant2,420,000 IQD-26%
Financial Wellness Coach3,170,000 IQD-4%
FinTech Analyst2,670,000 IQD-19%
Fixed Assets Administrator1,500,000 IQD-54%
Forensic Accountant1,750,000 IQD-47%
Fraud Detection Supervisor1,770,000 IQD-46%
Fraud Prevention Manager2,940,000 IQD-11%
Fund Accountant1,380,000 IQD-58%
Grants Coordinator1,150,000 IQD-65%
Green Finance Analyst2,250,000 IQD-32%
Group Financial Manager4,530,000 IQD+38%
Internal Auditor2,010,000 IQD-39%
Internal Control Adviser2,260,000 IQD-31%
Internal Control Officer1,260,000 IQD-62%
International Tax Director3,540,000 IQD+8%
Inventory Accountant1,540,000 IQD-53%
Investment Advisor3,890,000 IQD+18%
Investment Analyst2,880,000 IQD-12%
Investment Associate2,630,000 IQD-20%
Investment Broker2,450,000 IQD-26%
Investment Fund Manager3,510,000 IQD+7%
Investment Operations Manager3,270,000 IQD-1%
Investment Underwriter1,340,000 IQD-59%
Investor1,950,000 IQD-41%
Investor Relations Manager3,040,000 IQD-8%
KYC Team Leader3,050,000 IQD-7%
Loan Processor1,240,000 IQD-62%
Management Accountant1,670,000 IQD-49%
Management Economist3,520,000 IQD+7%
Paymaster1,270,000 IQD-61%
Payroll Administrator1,950,000 IQD-41%
Payroll Benefits Coordinator1,590,000 IQD-52%
Payroll Billing Manager2,630,000 IQD-20%
Payroll Clerk1,300,000 IQD-60%
Payroll Manager2,730,000 IQD-17%
Payroll Officer1,260,000 IQD-62%
Payroll Specialist1,510,000 IQD-54%
Payroll Supervisor1,910,000 IQD-42%
Pensions Administrator1,600,000 IQD-51%
Personal Financial Advisor2,230,000 IQD-32%
Pricing Analyst2,470,000 IQD-25%
Private Equity Analyst2,750,000 IQD-16%
Project Accountant1,680,000 IQD-49%
Proposal Development Coordinator1,340,000 IQD-59%
Quantitative Trader2,080,000 IQD-37%
Receivables Accountant1,360,000 IQD-59%
Regulatory Accountant1,630,000 IQD-50%
Retirement Plan Analyst2,290,000 IQD-30%
Revenue Management Specialist2,390,000 IQD-27%
Revenue Recognition Analyst2,780,000 IQD-15%
Risk Management Director3,640,000 IQD+11%
Risk Management Supervisor3,000,000 IQD-9%
Staff Accountant1,500,000 IQD-54%
Tax Accountant1,430,000 IQD-57%
Tax Administrator1,660,000 IQD-50%
Tax Advisor2,350,000 IQD-29%
Tax Analyst2,360,000 IQD-28%
Tax Associate1,290,000 IQD-61%
Tax Consultant2,470,000 IQD-25%
Tax Director3,600,000 IQD+9%
Tax Examiner1,660,000 IQD-50%
Tax Manager3,110,000 IQD-5%
Tax Research Manager3,120,000 IQD-5%
Teller912,000 IQD-72%
Treasury Accountant1,570,000 IQD-52%
Treasury Analyst2,410,000 IQD-27%
Underwriter1,100,000 IQD-67%
Underwriting Assistant1,030,000 IQD-69%
Vice President of Finance3,940,000 IQD+20%

Government vs Private Sector Salary Comparison

Where can you get paid more, working in a private company or the government? The difference between the public or government sector salaries and the private sector salaries in Iraq is 15% on average across all career fields.

Private Sector
1,920,000 IQD
Public Sector+15%
2,200,000 IQD
Percentage increase and decrease are relative to the previous value

Salary Statistics and Calculation Guide

What is considered to be a good and competitive salary for the job title Credit Manager in Iraq?

A good and competitive compensation would range anywhere between 2,940,000 IQD and 3,320,000 IQD. This is a very rough estimate. Experience and education play a very huge part in the final earnings.

Gross Salary (before tax) and Net Salary (after tax)

All salary and compensation figures displayed here are gross salary figures, that is the salary before tax deductions. Because taxes may differ across sectors and locations, it is difficult to accurately calculate the net salary after tax for every career.

Base / Basic Salary

The base salary for a careers like Credit Manager in Iraq ranges from 1,780,000 IQD to 2,460,000 IQD. The base salary depends on many factors including experience and education. It is not easy to provide a figure with very little information, so take this range with a grain of salt.


What is the difference between the median and the average salary?

Both are indicators. If your salary is higher than both the average and the median then you are doing very well. If your salary is lower than both, then many people earn more than you and there is plenty of room for improvement. If your wage is between the average and the median, then things can be a bit complicated. We wrote a guide to explain all about the different scenarios. How to compare your salary


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