Average Credit Analyst Salary in Poland for 2024

In this article, we will look at the average Credit Analyst salary for 2024 in Poland 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 Polish złoty. To keep things simple, we are using the PLN currency code instead of the currency symbol zł.

How Much Does a Credit Analyst Make in Poland?

A Credit Analyst working in Poland will typically earn around 75,280 PLN per year, and this can range from the lowest average salary of about 35,340 PLN to the highest average salary of 117,660 PLN.

Average Annual Salary
75,280 PLN
Average Monthly Salary
6,273 PLN

Lowest Annual Salary
35,340 PLN
Lowest Monthly Salary
2,945 PLN

Highest Annual Salary
117,660 PLN
Highest Monthly Salary
9,805 PLN

These are average salaries for a Credit Analyst in Poland and include benefits such as housing and transport. It's also possible for a Credit Analyst to earn more or less than the average salaries shown above.

Credit Analyst 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 Credit Analyst Salaries in Poland

So we've looked at the average salaries a Credit Analyst will earn in Poland. The next interesting data point is the distribution of salaries.

Salary ranges

We already know that a Credit Analyst can earn between 35,340 PLN and 117,660 PLN on average in Poland. 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 Credit Analyst in Poland is 76,280 PLN. This is the middle value in the distribution of salaries.

What this means is that approximately 50% of the population earn less than 76,280 PLN, and 50% of the population earn more than 76,280 PLN.

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 Credit Analyst salary in Poland, 25% of the population are earning less than 50,980 PLN while 75% of the population earn more than 50,980 PLN.

75% of the population earn less than 99,220 PLN, and 25% of the population earn more than 99,220 PLN.

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.

Credit Analyst Salary by Experience Level in Poland

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 credit analyst 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 Credit Analyst in Poland that has less than two years of experience can expect to earn somewhere in the region of 41,560 PLN.
  • 2 - 5 Years Experience. With two to five years of experience the average Credit Analyst salary would increase to 57,860 PLN.
  • 5 - 10 Years Experience. From five to ten years of experience as a Credit Analyst, the average salary would be 79,280 PLN.
  • 10 - 15 Years Experience. Once you have more than ten years of experience the average salary reaches around 94,940 PLN.
  • 15 - 20 Years Experience. A Credit Analyst with 15 to 20 years of experience can earn an average of 102,460 PLN.
  • 20+ Years Experience. For a Credit Analyst with more than 20 years, the expected average salary increases to 112,280 PLN.

Average Salary by Experience Chart

0-2 Years
41,560 PLN
2-5 Years +42%
57,860 PLN
5-10 Years +32%
79,280 PLN
10-15 Years +23%
94,940 PLN
15-20 Years +6%
102,460 PLN
20+ Years +10%
112,280 PLN

Credit Analyst Salary by Education Level in Poland

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 Credit Analyst in Poland 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 Credit Analyst in Poland with a bachelor's degree education can earn an average salary of 66,940 PLN.

  • Master's Degree. A Credit Analyst in Poland with a master's degree education can earn an average salary of 92,680 PLN.

Average Salary by Education Chart

Bachelor's Degree
66,940 PLN
Master's Degree +43%
92,680 PLN

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 Poland is around 37,800 to 113,000 PLN 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.

Credit Analyst 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 Poland, a male credit analyst will earn an average of 77,640 PLN, while a female credit analyst will earn around 73,820 PLN.

This means that a male credit analyst earns approximately 5% more than a female credit analyst for performing the same job.

Average Salary by Gender Chart in Poland

Male
77,640 PLN
Female -5%
73,820 PLN

Credit Analyst Average Pay Raise in Poland

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 Credit Analyst in Poland is around 11% every 16 months.

The national average pay raise across all professions and industries in Poland is around 8% every 17 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 = ( 11 ÷ 16 ) × 12  = 8%

What this means is that a Credit Analyst in Poland can expect to receive an average pay raise of around 8% every 12 months.

Annual Pay Raise by Industry in Poland for 2024

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

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

Banking
2%
Energy
4%
Information Technology
6%
Healthcare
8%
Travel
1%
Construction
3%
Education
5%

Credit Analyst Bonus and Incentive Rates in Poland

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 Credit Analyst is a moderate bonus based job, with 56% of employees reporting at least one bonus in the last 12 months.

44% 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 3% to 6%.

Received Bonus
56%
No Bonus
44%

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 Poland earn approximately 9% more than private sector employees in the same role.

Public Sector
93,780 PLN
Private Sector -9%
85,700 PLN

Salaries for Jobs Similar to a Credit Analyst

In the table below, we have salary information for jobs that are similar to a Credit Analyst in Poland.

Job Title Category Salary
AML Analyst Banking 136,200 PLN
Assistant Bank Branch Manager Banking 115,740 PLN
Assistant Bank Manager Banking 148,300 PLN
ATM Manager Banking 136,100 PLN
ATM Service Technician Banking 37,620 PLN
Bank Accounts Analyst Banking 50,520 PLN
Bank Accounts Collector Banking 31,940 PLN
Bank Accounts Controller Banking 67,320 PLN
Bank Accounts Executive Banking 99,340 PLN
Bank Accounts Manager Banking 113,280 PLN
Bank Auditing Manager Banking 112,760 PLN
Bank Branch Manager Banking 161,600 PLN
Bank Branch Operations Coordinator Banking 70,700 PLN
Bank Clerk Banking 31,180 PLN
Bank Client Service Associate Banking 43,080 PLN
Bank Collector Banking 31,980 PLN
Bank Compliance Specialist Banking 83,060 PLN
Bank Manager Banking 183,600 PLN
Bank Operational Risk Manager Banking 183,700 PLN
Bank Operations Head Banking 195,200 PLN
Bank Operations Officer Banking 78,960 PLN
Bank Operations Specialist Banking 110,380 PLN
Bank Process Manager Banking 100,280 PLN
Bank Product Manager Banking 123,400 PLN
Bank Programme Manager Banking 125,700 PLN
Bank Project Manager Banking 146,200 PLN
Bank Propositions Manager Banking 137,400 PLN
Bank Quantitative Analyst Banking 96,540 PLN
Bank Regional Manager Banking 191,600 PLN
Bank Regional Risk Officer Banking 96,680 PLN
Bank Relationship Manager Banking 139,100 PLN
Bank Relationship Officer Banking 62,460 PLN
Bank Teller Banking 31,980 PLN
Banker Banking 66,940 PLN
Banking Business Analyst Banking 99,080 PLN
Banking Business Development Officer Banking 60,460 PLN
Banking Business Planning Executive Banking 136,200 PLN
Banking Product Manager Banking 119,700 PLN
Banking Reference Data Manager Banking 107,880 PLN
Banking Risk Analyst Banking 95,720 PLN
Banking Technical Analyst Banking 50,620 PLN
Bankruptcy Coordinator Banking 69,720 PLN
Bill and Account Collector Banking 35,340 PLN
Budget Analyst Banking 93,780 PLN
Capital Risk Manager Banking 180,300 PLN
Cards Marketing Manager Banking 119,900 PLN
Cash Management Manager Banking 169,000 PLN
Check Processing Manager Banking 119,900 PLN
Commercial Vault Associate Banking 92,500 PLN
Corporate Banker Banking 68,320 PLN
Corporate Dealer Banking 99,100 PLN
Credit and Collections Manager Banking 127,700 PLN
Credit Card Fraud Investigator Banking 103,840 PLN
Credit Portfolio Manager Banking 185,100 PLN
Credit Risk Analyst Banking 103,820 PLN
Credit Risk Associate Banking 107,380 PLN
Direct Bank Sales Representative Banking 67,320 PLN
Exchange Control Consultant Banking 98,000 PLN
Executive Account Analyst Banking 92,400 PLN
Financial Bank Planning Consultant Banking 123,400 PLN
Financial Banking Analysis Manager Banking 136,200 PLN
Financial Banking Assistant Banking 45,600 PLN
Financial Banking Systems Manager Banking 130,400 PLN
Foreign Exchange Manager Banking 137,400 PLN
Fraud Analyst Banking 104,080 PLN
Fraud Detection Associate Banking 71,280 PLN
Fraud Detection Manager Banking 152,100 PLN
Fraud Detection Supervisor Banking 85,440 PLN
Internal Bank Audit Manager Banking 172,200 PLN
Internal Bank Auditor Banking 95,600 PLN
Internal Private Banker Banking 65,080 PLN
International Banking Manager Banking 200,000 PLN
Investment Banking Analyst Banking 138,800 PLN
Loan Analyst Banking 94,900 PLN
Loan Area Manager Banking 118,200 PLN
Loan Audit Team Leader Banking 109,340 PLN
Loan Branch Manager Banking 106,360 PLN
Loan Business Development Officer Banking 54,560 PLN
Loan Clerk Banking 37,200 PLN
Loan Collection and Recovery Manager Banking 112,600 PLN
Loan Collection Manager Banking 115,620 PLN
Loan Collector Banking 34,240 PLN
Loan Examiner Banking 44,800 PLN
Loan Officer Banking 34,280 PLN
Loan Processing Manager Banking 104,500 PLN
Loan Processor Banking 42,320 PLN
Loan Quality Assurance Auditor Banking 102,380 PLN
Loan Quality Assurance Manager Banking 111,900 PLN
Loan Quality Assurance Representative Banking 73,040 PLN
Loan Review Manager Banking 105,620 PLN
Loan Team Leader Banking 102,460 PLN
Loans Manager Banking 129,000 PLN
Mortgage Advisor Banking 66,180 PLN
Mortgage Collection Manager Banking 111,920 PLN
Mortgage Collector Banking 32,020 PLN
Mortgage Credit Analyst Banking 51,800 PLN
Mortgage Credit Manager Banking 109,000 PLN
Mortgage Development Manager Banking 119,700 PLN
Mortgage Document Reviewer Banking 43,340 PLN
Mortgage Funding Manager Banking 125,700 PLN
Mortgage Operations Manager Banking 163,800 PLN
Mortgage Payment Processing Clerk Banking 34,280 PLN
Mortgage Processing Manager Banking 107,900 PLN
Mortgage Processor Banking 40,600 PLN
Mortgage Quality Assurance Auditor Banking 97,300 PLN
Mortgage Quality Assurance Manager Banking 107,880 PLN
Mortgage Servicing Clerk Banking 35,520 PLN
Mortgage Servicing Manager Banking 107,580 PLN
Mortgage Underwriter Banking 38,340 PLN
Online Banking Manager Banking 164,200 PLN
Payment Processing Clerk Banking 33,960 PLN
Personal Banker Banking 68,400 PLN
Personal Banking Advisor Banking 71,660 PLN
Phone Banker Banking 42,960 PLN
Private Banker Banking 70,600 PLN
Reconciliation and Investigation Specialist Banking 78,960 PLN
Tax Officer Banking 57,320 PLN
Teller Banking 34,960 PLN
Trade Officer Banking 36,700 PLN
Trade Product Manager Banking 115,740 PLN
Trader Banking 45,720 PLN
Treasury Operations Officer Banking 88,620 PLN

Salary Comparison by City

If you want to compare salaries with different cities in Poland, you can use the links below to explore the data for each specific city we have researched.

City Average Salary
Gdansk 69,040 PLN
Katowice 66,940 PLN
Krakow 82,720 PLN
Lublin 69,240 PLN
Poznan 70,840 PLN
Szczecin 66,960 PLN
Warsaw 84,740 PLN
Wroclaw 80,520 PLN

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