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Average Credit Portfolio Manager Salary in China for 2026

A credit portfolio manager in China earns about 694,700 CNY a year. That's 97% above the national average of 351,900 CNY.

Pay ranges widely from country to country and from role to role. The lowest reported salaries in China sit around 340,400 CNY a year, while the very top stretches to 1,087,500 CNY. Everything on this page is in Chinese yuan (CNY, symbol ¥), which lets you compare numbers like-for-like without worrying about exchange rates.

The numbers here are pulled together from official government wage data, large independent salary surveys, and aggregated worker-reported pay. Most reported salaries include the benefits that are common in China, such as housing or transport allowances, which is worth keeping in mind if you're comparing against a country where those are usually paid on top.

How much does a credit portfolio manager make in China?

Average salary
694,700 CNY
57,891 CNY per month
Lowest reported
340,400 CNY
28,366 CNY per month
Highest reported
1,087,500 CNY
90,625 CNY per month

A typical credit portfolio manager working in China brings home around 57,891 CNY a month before tax. Entry-level pay starts near 340,400 CNY, and the top of the ladder reaches roughly 1,087,500 CNY for the most experienced and specialised people in the role.

The wide gap between low end and top end reflects how much pay can vary inside the same job title. A junior credit portfolio manager working at a small local employer earns very different money from a senior at a multinational. Skills, employer, city and years in the seat all push the number around.

How credit portfolio manager pay ranges in China

A good way to think about salary in China is to look at the distribution rather than the headline average. Half of all credit portfolio managers in China earn less than 710,500 CNY a year, and the other half earn more. That middle number is the median, and it is usually more useful than the average for answering "is my pay normal here".

Looking at the quartiles fills in the picture. A quarter of earners take home less than 472,000 CNY (the 25th percentile), and a quarter clear 917,700 CNY (the 75th percentile). The middle 50% of credit portfolio managers sit somewhere inside that band, which is where the typical reader of this page probably lives.

The very lowest reported salaries sit around 340,400 CNY. The highest stretch to 1,087,500 CNY, though only a small fraction of earners ever reach that level. If you are deciding whether your own offer or current pay is reasonable, work out which of those four bands you would fall into and use that as your reference point.

340,400
Low
710,500
Median
1,087,500
High
472,000
25th
917,700
75th
The middle 50% sit between the 25th and 75th percentile Tails are the lowest and highest reported All figures in CNY

Credit portfolio manager pay by experience in China

Years of experience is the single biggest lever on pay for a credit portfolio manager in China, ahead of education and almost any other single factor. The longer you have been in the role, the more your employer can trust you to handle complexity, mentor others and act independently, all of which command higher pay. The chart below shows how the typical credit portfolio manager salary changes as you move through the career ladder.

  • 0-2 Years
    406,300 CNY
  • 2-5 Years
    +28% from previous
    518,900 CNY
  • 5-10 Years
    +38% from previous
    717,900 CNY
  • 10-15 Years
    +24% from previous
    890,700 CNY
  • 15-20 Years
    +7% from previous
    953,200 CNY
  • 20+ Years
    +7% from previous
    1,015,500 CNY

The single largest jump on the ladder is from 2 - 5 Years to 5 - 10 Years, where pay rises by about 38%. That is the point at which a credit portfolio manager typically goes from "competent in the role" to "the person other people in the team learn from", and the market pays well for that step.

Credit portfolio manager pay by education in China

Education sits alongside experience as one of the biggest factors driving credit portfolio manager pay in China. Higher qualifications consistently pull higher salaries, but the size of the gap tends to be smallest at junior levels and widens as people move up. Two people in the same role with the same years of experience but different degrees can end up earning very different money once they reach mid-career.

Below is the average credit portfolio manager salary in China broken down by the highest level of education a worker has completed.

  • Bachelor's Degree
    504,300 CNY
  • Master's Degree
    +61% from previous
    810,500 CNY

Credit portfolio manager gender pay gap in China

The gender pay gap is a stubborn feature of almost every labour market, and China is no exception. Male credit portfolio managers in China earn an average of 721,600 CNY a year, while female credit portfolio managers earn around 663,100 CNY. That works out to a 9% gap in favour of men, even when comparing people doing the same work.

A pay gap of this size has a real long-term cost. Over a typical thirty-year career it can add up to several years of pay, and it compounds through pensions, retirement contributions and bonus-linked stock. Some of the gap is explained by women being more likely to work part-time, take career breaks, or be steered toward lower-paying specialisations. Some of it is straightforward unequal pay for the same job, which is harder to defend.

Credit Portfolio Manager gender pay gap

8%

Men earn this much more than women on average in China.

Men 721,600 CNY
Women 663,100 CNY

Pay raises for a credit portfolio manager in China

Most countries hand out at least some kind of pay raise every year, typically when an employee's contract is reviewed or as a cost-of-living adjustment to keep wages roughly in step with inflation. The rhythm and size of those raises varies hugely between industries.

A typical worker doing this role in China sees a raise of about 14% every 15 months, which works out to roughly 11% on an annual basis. That figure is the typical underlying rate; in years where inflation runs high you can usually expect a bit more, and in flat-economy years a bit less.

Across all jobs in China, the national average raise is around 9% every 15 months.

By industry

Industries with the highest pay raises in China:

  • Banking
  • Energy
  • Information Technology
  • Healthcare
  • Travel
  • Construction
  • Education
    2%

By experience level

Experienced workers tend to see larger raises. Retaining a senior is cheaper than replacing them, so employers fight harder for them.

  • Junior Level
    3% - 5%
  • Mid-Career
  • Senior Level
  • Top Management

Credit portfolio manager bonus rates in China

Bonuses are the other half of total compensation, and they vary a lot between jobs and industries. Some roles are paid almost entirely in base salary; others lean heavily on bonus structures tied to revenue, project completion or company performance. Whether a job pays a bonus, how big it is, and how often it lands all factor into whether the headline salary is actually a good offer.

84%

84% of credit portfolio managers in China reported a bonus of some kind in the past twelve months. That makes a credit portfolio manager a high-bonus role overall, which is useful context when you're weighing up a job offer where the base is below market.

Among those who did receive a bonus, the size of the payment varied substantially. Reported bonuses ranged from 5% to 9% of base salary. The remaining 16% of credit portfolio managers reported no bonus at all over the same period.

Which careers pay bonuses in China

Revenue-facing roles tend to pay the biggest bonuses. Operational and support roles tend toward smaller, more predictable ones.

  • Finance
  • Architecture
  • Sales
  • Business Development
  • Marketing / Advertising
  • Information Technology
  • Healthcare
  • Insurance
  • Customer Service
  • Human Resources
  • Construction
  • Transport
  • Hospitality

Credit portfolio manager: public vs private sector pay

Public-sector pay in China is about 6% more than private-sector pay for similar work. The private sector typically offers stronger upside and bigger bonuses; the public sector typically offers better benefits and stability.

Public vs private pay gap

6%

Public-sector workers earn this much more than private-sector workers in China on average.

Public sector 362,200 CNY
Private sector 341,400 CNY

Credit portfolio manager salary by city and region in China

Credit portfolio manager pay is not even across China. The chart below shows the highest-paying cities and regions in the dataset, followed by the full location table.

  • Guangzhou
  • Guangdong
  • Shandong
  • Henan
  • Hunan
  • Sichuan
  • Chengdu
  • Chongqing (city)
  • Jiangsu
  • Hangzhou
LocationTypeAverageMedianRange
GuangzhouCity860,300 CNY877,300 CNY420,100-1,345,400 CNY
GuangdongRegion858,100 CNY926,000 CNY394,300-1,369,700 CNY
ShandongRegion840,800 CNY858,100 CNY412,000-1,306,100 CNY
HenanRegion829,000 CNY893,500 CNY383,300-1,320,500 CNY
HunanRegion823,900 CNY838,100 CNY403,100-1,283,600 CNY
SichuanRegion816,900 CNY836,800 CNY399,900-1,273,300 CNY
ChengduCity814,500 CNY781,200 CNY424,300-1,249,900 CNY
Chongqing (city)City814,100 CNY877,300 CNY372,600-1,296,900 CNY
JiangsuRegion810,400 CNY874,300 CNY371,100-1,283,600 CNY
HangzhouCity798,900 CNY812,900 CNY390,000-1,249,900 CNY
Shanghai (city)City795,700 CNY765,100 CNY413,900-1,224,800 CNY
JinanCity791,600 CNY858,100 CNY363,000-1,259,300 CNY
AnhuiRegion790,300 CNY756,700 CNY411,400-1,212,800 CNY
ZhejiangRegion790,300 CNY756,700 CNY411,400-1,212,800 CNY
HebeiRegion783,800 CNY752,600 CNY407,300-1,198,300 CNY
Beijing (city)City781,200 CNY751,100 CNY407,100-1,196,300 CNY
WuhanCity758,700 CNY727,100 CNY394,300-1,162,900 CNY
HubeiRegion757,600 CNY725,700 CNY394,800-1,159,900 CNY
GuangxiRegion757,300 CNY724,000 CNY392,300-1,155,400 CNY
ShenyangCity754,900 CNY814,500 CNY345,700-1,198,300 CNY
ShenzhenCity744,700 CNY758,700 CNY363,000-1,161,000 CNY
LiaoningRegion735,200 CNY794,900 CNY340,000-1,172,900 CNY
Tianjin (city)City733,300 CNY790,600 CNY339,100-1,165,300 CNY
HarbinCity732,400 CNY786,600 CNY335,800-1,162,900 CNY
FujianRegion731,700 CNY704,300 CNY381,800-1,122,300 CNY
YunnanRegion725,700 CNY785,400 CNY335,100-1,157,300 CNY
QingdaoCity725,700 CNY785,400 CNY335,100-1,157,300 CNY
ChangchunCity724,300 CNY695,400 CNY377,200-1,108,500 CNY
JiangxiRegion724,300 CNY695,400 CNY376,800-1,105,600 CNY
NanjingCity724,300 CNY737,000 CNY353,600-1,129,700 CNY
Xi anCity722,100 CNY780,700 CNY332,500-1,147,600 CNY
ShantouCity718,000 CNY772,900 CNY330,700-1,138,300 CNY
Chongqing (region)Region714,300 CNY769,500 CNY327,300-1,134,100 CNY
SuzhouCity713,900 CNY687,100 CNY371,100-1,094,000 CNY
JilinRegion704,300 CNY717,900 CNY345,100-1,095,900 CNY
ShaanxiRegion684,900 CNY658,300 CNY354,000-1,045,100 CNY
DongguanCity683,400 CNY735,200 CNY315,700-1,085,600 CNY
Xinjiang UygurRegion675,200 CNY650,800 CNY351,900-1,035,500 CNY
HeilongjiangRegion675,100 CNY688,900 CNY330,700-1,050,100 CNY
GuizhouRegion667,400 CNY680,100 CNY325,900-1,037,600 CNY
WenzhouCity665,300 CNY721,600 CNY308,900-1,059,800 CNY
ShanxiRegion664,500 CNY638,700 CNY344,600-1,014,700 CNY
WuxiCity653,200 CNY706,200 CNY301,800-1,037,600 CNY
FoshanCity650,700 CNY625,000 CNY340,000-995,200 CNY
GansuRegion649,700 CNY663,100 CNY317,700-1,012,100 CNY
ChangshaCity649,700 CNY625,000 CNY340,000-995,200 CNY
Shanghai (region)Region648,200 CNY699,700 CNY299,500-1,028,300 CNY
KunmingCity643,800 CNY694,700 CNY296,000-1,025,100 CNY
HainanRegion642,800 CNY695,400 CNY296,000-1,023,000 CNY
DalianCity642,800 CNY695,400 CNY296,000-1,023,000 CNY
Nei MonggolRegion641,900 CNY615,700 CNY332,100-978,900 CNY
NingxiaRegion639,100 CNY650,700 CNY314,500-995,200 CNY
FuzhouCity639,100 CNY691,200 CNY294,300-1,014,700 CNY
Beijing (region)Region628,000 CNY639,900 CNY308,900-979,300 CNY
ZhengzhouCity627,900 CNY603,400 CNY325,900-962,900 CNY
Tianjin (region)Region620,300 CNY670,600 CNY283,700-986,700 CNY
XiamenCity618,800 CNY633,100 CNY301,700-964,000 CNY
QuanzhouCity614,600 CNY663,100 CNY282,300-976,300 CNY
QinghaiRegion608,500 CNY659,400 CNY281,500-970,200 CNY
Xizang [Tibet]Region608,500 CNY619,800 CNY297,000-949,600 CNY

Credit Portfolio Manager in China: FAQs

  • How much does a credit portfolio manager make per month in China?

    A credit portfolio manager in China earns about 57,891 CNY a month before tax, based on an annual average of 694,700 CNY.

  • What's the salary range for a credit portfolio manager in China?

    Entry-level credit portfolio managers in China start near 340,400 CNY. Top-end pay reaches around 1,087,500 CNY. The middle 50% of earners sit between 472,000 and 917,700 CNY.

  • Is the median credit portfolio manager salary in China higher or lower than the average?

    The median is 710,500 CNY, higher than the average of 694,700 CNY. Half of credit portfolio managers in China earn below the median, half earn above it.

  • What's the gender pay gap for credit portfolio managers in China?

    Men working as a credit portfolio manager in China earn around 9% more than women on average (721,600 vs 663,100 CNY a year).

  • Do credit portfolio managers in China get bonuses?

    About 84% of credit portfolio managers in China reported a bonus in the past 12 months. Reported bonuses ranged from 5% to 9% of base salary.

  • Do credit portfolio managers earn more in the public or private sector in China?

    In China, the public sector pays a credit portfolio manager about 6% more on average. Public-sector pay tends to be steadier; private-sector pay tends to offer bigger upside.

  • How often do credit portfolio managers in China get a pay raise?

    A credit portfolio manager in China sees a raise of around 14% every 15 months, equivalent to roughly 11% a year.