Average Credit Risk Analyst Salary in French Polynesia for 2024

In this article, we will look at the average Credit Risk Analyst salary for 2024 in French Polynesia 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 CFP franc. To keep things simple, we are using the XPF currency code instead of the currency symbol โ‚ฃ.

How Much Does a Credit Risk Analyst Make in French Polynesia?

A Credit Risk Analyst working in French Polynesia will typically earn around 2,076,600 XPF per year, and this can range from the lowest average salary of about 1,037,600 XPF to the highest average salary of 3,217,900 XPF.

Average Annual Salary
2,076,600 XPF
Average Monthly Salary
173,050 XPF

Lowest Annual Salary
1,037,600 XPF
Lowest Monthly Salary
86,466 XPF

Highest Annual Salary
3,217,900 XPF
Highest Monthly Salary
268,158 XPF

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

Credit Risk 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 Risk Analyst Salaries in French Polynesia

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

Salary ranges

We already know that a Credit Risk Analyst can earn between 1,037,600 XPF and 3,217,900 XPF on average in French Polynesia. 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 Risk Analyst in French Polynesia is 2,076,600 XPF. This is the middle value in the distribution of salaries.

What this means is that approximately 50% of the population earn less than 2,076,600 XPF, and 50% of the population earn more than 2,076,600 XPF.

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 Risk Analyst salary in French Polynesia, 25% of the population are earning less than 1,405,700 XPF while 75% of the population earn more than 1,405,700 XPF.

75% of the population earn less than 2,641,300 XPF, and 25% of the population earn more than 2,641,300 XPF.

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 Risk Analyst Salary by Experience Level in French Polynesia

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 risk 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 Risk Analyst in French Polynesia that has less than two years of experience can expect to earn somewhere in the region of 1,249,900 XPF.
  • 2 - 5 Years Experience. With two to five years of experience the average Credit Risk Analyst salary would increase to 1,645,600 XPF.
  • 5 - 10 Years Experience. From five to ten years of experience as a Credit Risk Analyst, the average salary would be 2,197,700 XPF.
  • 10 - 15 Years Experience. Once you have more than ten years of experience the average salary reaches around 2,629,100 XPF.
  • 15 - 20 Years Experience. A Credit Risk Analyst with 15 to 20 years of experience can earn an average of 2,831,100 XPF.
  • 20+ Years Experience. For a Credit Risk Analyst with more than 20 years, the expected average salary increases to 3,035,200 XPF.

Average Salary by Experience Chart

0-2 Years
1,249,900 XPF
2-5 Years +32%
1,645,600 XPF
5-10 Years +34%
2,197,700 XPF
10-15 Years +19%
2,629,100 XPF
15-20 Years +8%
2,831,100 XPF
20+ Years +7%
3,035,200 XPF

Credit Risk Analyst Salary by Education Level in French Polynesia

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 Risk Analyst in French Polynesia 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 Risk Analyst in French Polynesia with a bachelor's degree education can earn an average salary of 1,777,700 XPF.

  • Master's Degree. A Credit Risk Analyst in French Polynesia with a master's degree education can earn an average salary of 2,794,600 XPF.

Average Salary by Education Chart

Bachelor's Degree
1,777,700 XPF
Master's Degree +58%
2,794,600 XPF

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 French Polynesia is around 728,000 to 2,180,000 XPF 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 Risk 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 French Polynesia, a male credit risk analyst will earn an average of 2,136,200 XPF, while a female credit risk analyst will earn around 2,003,200 XPF.

This means that a male credit risk analyst earns approximately 7% more than a female credit risk analyst for performing the same job.

Average Salary by Gender Chart in French Polynesia

Male
2,136,200 XPF
Female -7%
2,003,200 XPF

Credit Risk Analyst Average Pay Raise in French Polynesia

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 Risk Analyst in French Polynesia is around 9% every 27 months.

The national average pay raise across all professions and industries in French Polynesia 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 Credit Risk Analyst in French Polynesia can expect to receive an average pay raise of around 4% every 12 months.

Annual Pay Raise by Industry in French Polynesia for 2024

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

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

Banking
4%
Energy
8%
Information Technology
3%
Healthcare
7%
Travel
2%
Construction
6%
Education
1%

Credit Risk Analyst Bonus and Incentive Rates in French Polynesia

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 Risk Analyst is a moderate bonus based job, with 63% of employees reporting at least one bonus in the last 12 months.

37% 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 5% to 8%.

Received Bonus
63%
No Bonus
37%

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 French Polynesia earn approximately 21% more than private sector employees in the same role.

Public Sector
1,921,500 XPF
Private Sector -21%
1,583,700 XPF

Salaries for Jobs Similar to a Credit Risk Analyst

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

Job Title Category Salary
AML Analyst Banking 2,519,500 XPF
Assistant Bank Branch Manager Banking 2,221,600 XPF
Assistant Bank Manager Banking 3,061,300 XPF
ATM Manager Banking 2,533,800 XPF
ATM Service Technician Banking 681,900 XPF
Bank Accounts Analyst Banking 965,800 XPF
Bank Accounts Collector Banking 576,500 XPF
Bank Accounts Controller Banking 1,283,600 XPF
Bank Accounts Executive Banking 1,858,200 XPF
Bank Accounts Manager Banking 2,100,900 XPF
Bank Auditing Manager Banking 2,136,200 XPF
Bank Branch Manager Banking 3,108,200 XPF
Bank Branch Operations Coordinator Banking 1,333,900 XPF
Bank Clerk Banking 555,800 XPF
Bank Client Service Associate Banking 785,400 XPF
Bank Collector Banking 619,000 XPF
Bank Compliance Specialist Banking 1,645,600 XPF
Bank Manager Banking 3,529,600 XPF
Bank Operational Risk Manager Banking 3,469,900 XPF
Bank Operations Head Banking 3,781,400 XPF
Bank Operations Officer Banking 1,391,600 XPF
Bank Operations Specialist Banking 2,146,100 XPF
Bank Process Manager Banking 2,065,400 XPF
Bank Product Manager Banking 2,352,500 XPF
Bank Programme Manager Banking 2,423,000 XPF
Bank Project Manager Banking 2,724,700 XPF
Bank Propositions Manager Banking 2,653,700 XPF
Bank Quantitative Analyst Banking 1,716,600 XPF
Bank Regional Manager Banking 3,601,500 XPF
Bank Regional Risk Officer Banking 1,882,700 XPF
Bank Relationship Manager Banking 2,579,200 XPF
Bank Relationship Officer Banking 1,273,300 XPF
Bank Teller Banking 633,300 XPF
Banker Banking 1,259,300 XPF
Banking Business Analyst Banking 1,882,700 XPF
Banking Business Development Officer Banking 1,196,900 XPF
Banking Business Planning Executive Banking 2,688,800 XPF
Banking Product Manager Banking 2,266,400 XPF
Banking Reference Data Manager Banking 2,065,400 XPF
Banking Risk Analyst Banking 1,800,200 XPF
Banking Technical Analyst Banking 1,030,200 XPF
Bankruptcy Coordinator Banking 1,380,400 XPF
Bill and Account Collector Banking 679,200 XPF
Budget Analyst Banking 1,788,300 XPF
Capital Risk Manager Banking 3,349,100 XPF
Cards Marketing Manager Banking 2,281,800 XPF
Cash Management Manager Banking 3,263,500 XPF
Check Processing Manager Banking 2,352,500 XPF
Commercial Vault Associate Banking 1,896,700 XPF
Corporate Banker Banking 1,345,400 XPF
Corporate Dealer Banking 2,003,200 XPF
Credit Analyst Banking 1,450,700 XPF
Credit and Collections Manager Banking 2,460,900 XPF
Credit Card Fraud Investigator Banking 1,835,700 XPF
Credit Portfolio Manager Banking 3,514,400 XPF
Credit Risk Associate Banking 1,990,300 XPF
Direct Bank Sales Representative Banking 1,369,700 XPF
Exchange Control Consultant Banking 2,003,200 XPF
Executive Account Analyst Banking 1,751,700 XPF
Financial Bank Planning Consultant Banking 2,401,300 XPF
Financial Banking Analysis Manager Banking 2,698,900 XPF
Financial Banking Assistant Banking 852,600 XPF
Financial Banking Systems Manager Banking 2,629,100 XPF
Foreign Exchange Manager Banking 2,748,900 XPF
Fraud Analyst Banking 1,955,300 XPF
Fraud Detection Associate Banking 1,333,900 XPF
Fraud Detection Manager Banking 2,953,200 XPF
Fraud Detection Supervisor Banking 1,570,900 XPF
Internal Bank Audit Manager Banking 3,444,200 XPF
Internal Bank Auditor Banking 1,788,300 XPF
Internal Private Banker Banking 1,296,900 XPF
International Banking Manager Banking 3,685,200 XPF
Investment Banking Analyst Banking 2,773,700 XPF
Loan Analyst Banking 1,765,300 XPF
Loan Area Manager Banking 2,221,600 XPF
Loan Audit Team Leader Banking 2,076,600 XPF
Loan Branch Manager Banking 2,003,200 XPF
Loan Business Development Officer Banking 1,165,400 XPF
Loan Clerk Banking 664,500 XPF
Loan Collection and Recovery Manager Banking 2,146,100 XPF
Loan Collection Manager Banking 2,197,700 XPF
Loan Collector Banking 633,100 XPF
Loan Examiner Banking 823,900 XPF
Loan Officer Banking 724,000 XPF
Loan Processing Manager Banking 1,980,600 XPF
Loan Processor Banking 808,000 XPF
Loan Quality Assurance Auditor Banking 1,955,300 XPF
Loan Quality Assurance Manager Banking 2,124,400 XPF
Loan Quality Assurance Representative Banking 1,380,400 XPF
Loan Review Manager Banking 2,038,500 XPF
Loan Team Leader Banking 1,967,000 XPF
Loans Manager Banking 2,423,000 XPF
Mortgage Advisor Banking 1,320,500 XPF
Mortgage Collection Manager Banking 2,173,000 XPF
Mortgage Collector Banking 592,200 XPF
Mortgage Credit Analyst Banking 938,700 XPF
Mortgage Credit Manager Banking 2,136,200 XPF
Mortgage Development Manager Banking 2,389,200 XPF
Mortgage Document Reviewer Banking 791,600 XPF
Mortgage Funding Manager Banking 2,290,300 XPF
Mortgage Operations Manager Banking 3,323,300 XPF
Mortgage Payment Processing Clerk Banking 718,000 XPF
Mortgage Processing Manager Banking 2,197,700 XPF
Mortgage Processor Banking 840,100 XPF
Mortgage Quality Assurance Auditor Banking 1,811,000 XPF
Mortgage Quality Assurance Manager Banking 2,026,800 XPF
Mortgage Servicing Clerk Banking 633,300 XPF
Mortgage Servicing Manager Banking 1,967,000 XPF
Mortgage Underwriter Banking 814,500 XPF
Online Banking Manager Banking 3,385,800 XPF
Payment Processing Clerk Banking 674,100 XPF
Personal Banker Banking 1,320,500 XPF
Personal Banking Advisor Banking 1,417,600 XPF
Phone Banker Banking 907,100 XPF
Private Banker Banking 1,345,400 XPF
Reconciliation and Investigation Specialist Banking 1,570,900 XPF
Tax Officer Banking 1,089,400 XPF
Teller Banking 649,700 XPF
Trade Officer Banking 767,500 XPF
Trade Product Manager Banking 2,146,100 XPF
Trader Banking 877,300 XPF
Treasury Operations Officer Banking 1,693,600 XPF

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