Average Banking Reference Data Manager Salary in Sao Tome and Principe for 2026

In this article, we will look at the average Banking Reference Data Manager salary for 2026 in Sao Tome and Principe and how that compares to other countries and professions. We'll also look at interesting salary data points like median salary, 25th and 75th percentile salaries, salary amounts based on experience, bonus ranges and more!

The data in this article has been compiled using official government salary data, salary surveys, and other sources such as job postings which contain salary information.

All salary information is in the local currency, which is the São Tomé and Príncipe dobra. To keep things simple, we are using the STN currency code instead of the currency symbol Db.

How Much Does a Banking Reference Data Manager Make in Sao Tome and Principe?

A Banking Reference Data Manager working in Sao Tome and Principe will typically earn around 97,919,400 STN per year, and this can range from the lowest average salary of about 49,919,200 STN to the highest average salary of 151,201,000 STN.

Average Annual Salary97,919,400 STN
Average Monthly Salary8,159,950 STN
Average Lowest Salary49,919,200 STN
Lowest Monthly Salary4,159,933 STN
Average Highest Salary151,201,000 STN
Highest Monthly Salary12,600,083 STN

These are average salaries for a Banking Reference Data Manager in Sao Tome and Principe and include benefits such as housing and transport. It's also possible for a Banking Reference Data Manager to earn more or less than the average salaries shown above.

Banking Reference Data Manager salaries will vary a lot based on your experience, location, skills, and gender. Keep reading below to research more data on each of these areas.

Distribution of Banking Reference Data Manager Salaries in Sao Tome and Principe

So we've looked at the average salaries a Banking Reference Data Manager will earn in Sao Tome and Principe. The next interesting data point is the distribution of salaries.

Salary ranges

We already know that a Banking Reference Data Manager can earn between 49,919,200 STN and 151,201,000 STN on average in Sao Tome and Principe. This is known as the range in statistics.

The difference between the maximum and minimum values is a good indicator of variability in salaries, and can be used by employers to figure out how much they can expect to pay, and for employees to know how much they can earn.

Median salary

The median salary for a Banking Reference Data Manager in Sao Tome and Principe is 95,998,700 STN. This is the middle value in the distribution of salaries.

What this means is that approximately 50% of the population earn less than 95,998,700 STN, and 50% of the population earn more than 95,998,700 STN.

If you are earning more than the median salary, that's a good indicator that you are being paid well.

If you're not earning more than the median salary, your objective should be to increase your earnings to be at least as high as the median salary (which you can do by asking for a pay rise, looking for a better paying job, etc).

Percentiles

Percentiles are similar to the median salary, but instead of looking at the middle value, they look at the values in the top and bottom half of the distribution.

For the average Banking Reference Data Manager salary in Sao Tome and Principe, 25% of the population are earning less than 65,641,400 STN while 75% of the population earn more than 65,641,400 STN.

75% of the population earn less than 121,199,300 STN, and 25% of the population earn more than 121,199,300 STN.

Like the median salary, the 25th and 75th percentile salaries can be used to determine which quartile you fall into so that you know whether you are being paid well enough compared to others in your profession and location.

The difference between a median and an average salary

The median and average salary are both indicators you can use to see if you are being paid fairly based on the overall population.

  • If your salary is higher than the average and the median salary, you are earning well compared to others.
  • If your salary is lower than the average and the median salary, it could indicate you are not being paid well enough.
  • If you are somewhere in between then it's tricky to determine if you are being paid well enough and you might need to research more closely.

Banking Reference Data Manager Salary by Experience Level in Sao Tome and Principe

The most important factor in determining your salary after the specific profession is the number of years experience you have. It stands to reason that more years of experience will result in a higher wage.

We have researched the average Banking Reference Data Manager salary based on years of experience to give you an idea of how the average changes once you've worked for a certain amount of time.

  • 0 - 2 Years Experience. A Banking Reference Data Manager in Sao Tome and Principe that has less than two years of experience can expect to earn somewhere in the region of 56,041,700 STN.
  • 2 - 5 Years Experience. With two to five years of experience the average Banking Reference Data Manager salary would increase to 73,081,700 STN.
  • 5 - 10 Years Experience. From five to ten years of experience as a Banking Reference Data Manager, the average salary would be 102,359,100 STN.
  • 10 - 15 Years Experience. Once you have more than ten years of experience the average salary reaches around 123,599,800 STN.
  • 15 - 20 Years Experience. A Banking Reference Data Manager with 15 to 20 years of experience can earn an average of 133,198,700 STN.
  • 20+ Years Experience. For a Banking Reference Data Manager with more than 20 years, the expected average salary increases to 144,001,700 STN.

Average Salary by Experience Chart

0-2 Years-
56,041,700 STN
2-5 Years+31%
73,081,700 STN
5-10 Years+40%
102,359,100 STN
10-15 Years+20%
123,599,800 STN
15-20 Years+9%
133,198,700 STN
20+ Years+8%
144,001,700 STN

Banking Reference Data Manager Salary by Education Level in Sao Tome and Principe

As well as experience in a job, your education plays a big role in how much you can earn. A lot of higher paying positions require a high level of education, but how much can a degree increase your salary?

In our research we have compared the salaries of employees in the same job and career level with different levels of education to see how much more you can earn at each education level.

The salary you can earn based on your education is very specific to both your location and the career path you choose.

In our research, we looked at the average salary for a Banking Reference Data Manager in Sao Tome and Principe based on the education level of the employees in order to find out whether a better education level would increase your salary.

  • Bachelor's Degree. A Banking Reference Data Manager in Sao Tome and Principe with a bachelor's degree education can earn an average salary of 69,119,600 STN.
  • Master's Degree. A Banking Reference Data Manager in Sao Tome and Principe with a master's degree education can earn an average salary of 122,398,700 STN.

Average Salary by Education Chart

Bachelor's Degree-
69,119,600 STN
Master's Degree+77%
122,398,700 STN

How Much is a Master's Degree or MBA Program?

The approximate cost of a master's degree or post-graduate program like an MBA in Sao Tome and Principe is around 34,900,000 to 105,000,000 STN and takes two years to complete.

As you can see above, there are financial benefits from reaching master's degree level, but don't expect to see much of a salary increase until you have completed the degree.

It's common for people to pursue an MBA or other post-graduate program in order to switch to a a job that pays more. On average, you can expect to earn around 10% more when switching to a new company.

Whether you decide to pursue a master's degree depends on many factors. If you are able to afford it, the numbers suggest that the return on investment is worth it and you could recover the costs in a few years from the salary increase you would receive.

Banking Reference Data Manager Salary Compared by Gender

In the modern age, we know that there should never be a pay gap between men and women. Unfortunately, in many professions, there is still a significant difference between the salaries earned by men when compared to the salary of women in the same job.

In Sao Tome and Principe, a male banking reference data manager will earn an average of 105,838,700 STN, while a female banking reference data manager will earn around 90,721,000 STN.

This means that a male banking reference data manager earns approximately 17% more than a female banking reference data manager for performing the same job.

Average Salary by Gender Chart in Sao Tome and Principe

Male-
105,838,700 STN
Female-17%
90,721,000 STN

Banking Reference Data Manager Average Pay Raise in Sao Tome and Principe

In many countries, an annual pay raise is often given to employees to reward their service with a salary increase.

From our research, we can see that the average pay raise for a Banking Reference Data Manager in Sao Tome and Principe is around 9% every 27 months.

The national average pay raise across all professions and industries in Sao Tome and Principe is around 5% every 28 months.

In this case, we can see that the number of months between the average pay raise is higher than the typical 12 months.

To make the data more meaningful, we can calculate what the approximate annual pay raise would be using a simple formula:

Annual Increase = ( Increase Rate ÷ Months ) × 12

So for this example, it would be:

Annual Increase = ( 9 ÷ 27 ) × 12  = 4%

What this means is that a Banking Reference Data Manager in Sao Tome and Principe can expect to receive an average pay raise of around 4% every 12 months.

Annual Pay Raise by Industry in Sao Tome and Principe for 2026

In the chart below, you can see the average annual pay raise percentages for each of the major industries in Sao Tome and Principe.

You will see that companies in bigger and more lucrative industries tend to have the higher annual pay raises.

Banking-
1%
Energy-
2%
Information Technology-
3%
Healthcare-
4%
Travel-
5%
Construction-
6%
Education-
7%

Banking Reference Data Manager Bonus and Incentive Rates in Sao Tome and Principe

Another part of your overall compensation in a job is how much bonus you receive. Some job roles will be more likely to pay a bonus than others and also more likely to have higher bonus rates.

Generally speaking, jobs that are more involved with direct revenue generation will receive higher bonuses based on the performance towards revenue goals.

A Banking Reference Data Manager is a moderate bonus based job, with 62% of employees reporting at least one bonus in the last 12 months.

38% reported that they had not received any bonuses in the previous 12 months.

For the employees that did receive a bonus in the previous 12 months, the reported bonuses ranged from 6% to 8%.

Received Bonus-
62%
No Bonus-
38%

What are the Types of Bonus?

There are a number of difference types of bonus you can receive in a job. Including:

  • Individual performance bonus - This is a bonus that is awarded to an individual employee for general performance in the job. It's the most common type of bonus.
  • Company performance bonus - This is a bonus that is awarded to a company employees to share profit with the staff.
  • Goal based bonus - This is a bonus that is awarded to an individual employee (or a team) for achieving specific goals, objectives, or milestones.
  • Holiday bonus - This type of bonus is usually paid around the holidays, often the end of the year, and is a token of appreciation for the hard work throughout the year.

Government vs Private Sector Salaries

Another commonly asked question is whether you get paid a higher salary working in the public (government) sector or the private sector.

Public sector employees in Sao Tome and Principe earn approximately 11% more than private sector employees in the same role.

Public Sector-
87,240,100 STN
Private Sector-11%
78,838,900 STN

Salaries for Jobs Similar to a Banking Reference Data Manager

In the table below, we have salary information for jobs that are similar to a Banking Reference Data Manager in Sao Tome and Principe.

Job TitleCategorySalary
AML AnalystBanking128,400,500 STN
ATM ManagerBanking119,998,200 STN
ATM Service TechnicianBanking32,758,100 STN
Assistant Bank Branch ManagerBanking102,478,200 STN
Assistant Bank ManagerBanking142,799,100 STN
Bank Accounts AnalystBanking45,361,500 STN
Bank Accounts CollectorBanking28,801,400 STN
Bank Accounts ControllerBanking57,598,800 STN
Bank Accounts ExecutiveBanking84,601,900 STN
Bank Accounts ManagerBanking107,281,600 STN
Bank Auditing ManagerBanking104,398,800 STN
Bank Branch ManagerBanking141,598,200 STN
Bank Branch Operations CoordinatorBanking60,481,000 STN
Bank ClerkBanking27,841,200 STN
Bank Client Service AssociateBanking37,441,100 STN
Bank CollectorBanking29,399,100 STN
Bank Compliance SpecialistBanking75,598,300 STN
Bank ManagerBanking160,800,900 STN
Bank Operational Risk ManagerBanking174,000,900 STN
Bank Operations HeadBanking167,999,600 STN
Bank Operations OfficerBanking65,161,000 STN
Bank Operations SpecialistBanking99,721,200 STN
Bank Process ManagerBanking94,801,100 STN
Bank Product Manager Banking105,960,300 STN
Bank Programme ManagerBanking111,720,700 STN
Bank Project ManagerBanking135,600,300 STN
Bank Propositions ManagerBanking117,600,500 STN
Bank Quantitative AnalystBanking81,600,600 STN
Bank Regional ManagerBanking176,398,800 STN
Bank Regional Risk OfficerBanking87,960,300 STN
Bank Relationship ManagerBanking128,400,500 STN
Bank Relationship OfficerBanking56,401,100 STN
Bank TellerBanking30,961,800 STN
BankerBanking59,999,100 STN
Banking Business AnalystBanking89,281,500 STN
Banking Business Development OfficerBanking57,359,300 STN
Banking Business Planning ExecutiveBanking119,761,300 STN
Banking Product ManagerBanking113,519,000 STN
Banking Risk AnalystBanking85,318,400 STN
Banking Technical AnalystBanking48,239,000 STN
Bankruptcy CoordinatorBanking64,920,700 STN
Bill and Account CollectorBanking29,641,500 STN
Budget AnalystBanking83,521,700 STN
Capital Risk ManagerBanking166,799,600 STN
Cards Marketing ManagerBanking107,039,100 STN
Cash Management ManagerBanking158,398,200 STN
Check Processing ManagerBanking116,279,200 STN
Commercial Vault AssociateBanking89,398,800 STN
Corporate BankerBanking65,519,800 STN
Corporate DealerBanking92,998,400 STN
Credit AnalystBanking67,681,200 STN
Credit Card Fraud InvestigatorBanking88,321,100 STN
Credit Portfolio ManagerBanking165,599,600 STN
Credit Risk AnalystBanking95,399,800 STN
Credit Risk AssociateBanking92,998,400 STN
Credit and Collections ManagerBanking116,400,500 STN
Direct Bank Sales RepresentativeBanking59,878,400 STN
Exchange Control ConsultantBanking95,759,900 STN
Executive Account AnalystBanking88,081,100 STN
Financial Bank Planning ConsultantBanking111,720,700 STN
Financial Banking Analysis ManagerBanking134,400,400 STN
Financial Banking AssistantBanking43,321,300 STN
Financial Banking Systems ManagerBanking122,398,700 STN
Foreign Exchange ManagerBanking129,601,700 STN
Fraud AnalystBanking93,601,400 STN
Fraud Detection AssociateBanking63,599,700 STN
Fraud Detection ManagerBanking140,401,100 STN
Fraud Detection SupervisorBanking76,078,800 STN
Internal Bank Audit ManagerBanking154,800,100 STN
Internal Bank AuditorBanking81,840,300 STN
Internal Private BankerBanking62,279,800 STN
International Banking ManagerBanking171,598,600 STN
Investment Banking AnalystBanking122,398,700 STN
Loan AnalystBanking84,358,700 STN
Loan Area ManagerBanking104,639,900 STN
Loan Audit Team LeaderBanking98,039,900 STN
Loan Branch ManagerBanking95,998,700 STN
Loan Business Development OfficerBanking51,238,900 STN
Loan ClerkBanking29,641,500 STN
Loan Collection ManagerBanking109,800,200 STN
Loan Collection and Recovery ManagerBanking108,719,900 STN
Loan CollectorBanking29,399,100 STN
Loan ExaminerBanking38,760,100 STN
Loan OfficerBanking34,561,900 STN
Loan Processing ManagerBanking94,801,100 STN
Loan ProcessorBanking39,241,100 STN
Loan Quality Assurance AuditorBanking87,240,100 STN
Loan Quality Assurance ManagerBanking95,998,700 STN
Loan Quality Assurance RepresentativeBanking63,360,300 STN
Loan Review ManagerBanking94,681,700 STN
Loan Team LeaderBanking92,518,400 STN
Loans ManagerBanking114,120,900 STN
Mortgage AdvisorBanking63,000,700 STN
Mortgage Collection ManagerBanking105,241,800 STN
Mortgage CollectorBanking29,041,200 STN
Mortgage Credit AnalystBanking46,800,400 STN
Mortgage Credit ManagerBanking97,441,800 STN
Mortgage Development ManagerBanking110,521,000 STN
Mortgage Document ReviewerBanking37,201,700 STN
Mortgage Funding ManagerBanking109,438,100 STN
Mortgage Operations ManagerBanking153,600,700 STN
Mortgage Payment Processing ClerkBanking33,599,200 STN
Mortgage Processing ManagerBanking95,759,900 STN
Mortgage ProcessorBanking41,158,900 STN
Mortgage Quality Assurance AuditorBanking86,160,100 STN
Mortgage Quality Assurance ManagerBanking97,561,300 STN
Mortgage Servicing ClerkBanking31,559,900 STN
Mortgage Servicing ManagerBanking99,119,900 STN
Mortgage UnderwriterBanking36,121,000 STN
Online Banking ManagerBanking159,601,400 STN
Payment Processing ClerkBanking32,161,000 STN
Personal BankerBanking65,519,800 STN
Personal Banking Advisor Banking62,159,000 STN
Phone BankerBanking40,921,600 STN
Private BankerBanking64,920,700 STN
Reconciliation and Investigation SpecialistBanking69,840,500 STN
Tax OfficerBanking51,238,900 STN
TellerBanking29,761,800 STN
Trade OfficerBanking36,001,200 STN
Trade Product ManagerBanking102,119,600 STN
TraderBanking42,359,400 STN
Treasury Operations OfficerBanking81,119,300 STN

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