Average Debt Adviser Salary in Nicaragua for 2026
In this article, we will look at the average Debt Adviser salary for 2026 in Nicaragua 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 Nicaraguan córdoba. To keep things simple, we are using the NIO currency code instead of the currency symbol C$.
How Much Does a Debt Adviser Make in Nicaragua?
A Debt Adviser working in Nicaragua will typically earn around 257,700 NIO per year, and this can range from the lowest average salary of about 119,020 NIO to the highest average salary of 411,400 NIO.
These are average salaries for a Debt Adviser in Nicaragua and include benefits such as housing and transport. It's also possible for a Debt Adviser to earn more or less than the average salaries shown above.
Debt Adviser 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 Debt Adviser Salaries in Nicaragua
So we've looked at the average salaries a Debt Adviser will earn in Nicaragua. The next interesting data point is the distribution of salaries.
Salary ranges
We already know that a Debt Adviser can earn between 119,020 NIO and 411,400 NIO on average in Nicaragua. 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 Debt Adviser in Nicaragua is 279,400 NIO. This is the middle value in the distribution of salaries.
What this means is that approximately 50% of the population earn less than 279,400 NIO, and 50% of the population earn more than 279,400 NIO.
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 Debt Adviser salary in Nicaragua, 25% of the population are earning less than 180,300 NIO while 75% of the population earn more than 180,300 NIO.
75% of the population earn less than 371,100 NIO, and 25% of the population earn more than 371,100 NIO.
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.
Debt Adviser Salary by Experience Level in Nicaragua
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 Debt Adviser 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 Debt Adviser in Nicaragua that has less than two years of experience can expect to earn somewhere in the region of 136,100 NIO.
- 2 - 5 Years Experience. With two to five years of experience the average Debt Adviser salary would increase to 180,500 NIO.
- 5 - 10 Years Experience. From five to ten years of experience as a Debt Adviser, the average salary would be 266,000 NIO.
- 10 - 15 Years Experience. Once you have more than ten years of experience the average salary reaches around 325,600 NIO.
- 15 - 20 Years Experience. A Debt Adviser with 15 to 20 years of experience can earn an average of 353,600 NIO.
- 20+ Years Experience. For a Debt Adviser with more than 20 years, the expected average salary increases to 384,200 NIO.
Average Salary by Experience Chart
| 0-2 Years | - | 136,100 NIO |
| 2-5 Years | +34% | 180,500 NIO |
| 5-10 Years | +48% | 266,000 NIO |
| 10-15 Years | +22% | 325,600 NIO |
| 15-20 Years | +9% | 353,600 NIO |
| 20+ Years | +8% | 384,200 NIO |
Debt Adviser Salary by Education Level in Nicaragua
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 Debt Adviser in Nicaragua based on the education level of the employees in order to find out whether a better education level would increase your salary.
- Certificate or Diploma. A Debt Adviser in Nicaragua with a certificate or diploma education can earn an average salary of 152,300 NIO.
- Bachelor's Degree. A Debt Adviser in Nicaragua with a bachelor's degree education can earn an average salary of 239,300 NIO.
- Master's Degree. A Debt Adviser in Nicaragua with a master's degree education can earn an average salary of 404,600 NIO.
Average Salary by Education Chart
| Certificate or Diploma | - | 152,300 NIO |
| Bachelor's Degree | +57% | 239,300 NIO |
| Master's Degree | +68% | 404,600 NIO |
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 Nicaragua is around 94,700 to 284,000 NIO 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.
Debt Adviser 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 Nicaragua, a male debt adviser will earn an average of 275,800 NIO, while a female debt adviser will earn around 239,300 NIO.
This means that a male debt adviser earns approximately 15% more than a female debt adviser for performing the same job.
Average Salary by Gender Chart in Nicaragua
| Male | - | 275,800 NIO |
| Female | -15% | 239,300 NIO |
Debt Adviser Average Pay Raise in Nicaragua
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 Debt Adviser in Nicaragua is around 8% every 28 months.
The national average pay raise across all professions and industries in Nicaragua 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 = ( 8 ÷ 28 ) × 12 = 3%
What this means is that a Debt Adviser in Nicaragua can expect to receive an average pay raise of around 3% every 12 months.
Annual Pay Raise by Industry in Nicaragua for 2026
In the chart below, you can see the average annual pay raise percentages for each of the major industries in Nicaragua.
You will see that companies in bigger and more lucrative industries tend to have the higher annual pay raises.
| Banking | - | 3% |
| Energy | - | 6% |
| Information Technology | - | 9% |
| Healthcare | - | 3% |
| Travel | - | 6% |
| Construction | - | 9% |
| Education | - | 3% |
Debt Adviser Bonus and Incentive Rates in Nicaragua
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 Debt Adviser is a moderate bonus based job, with 67% of employees reporting at least one bonus in the last 12 months.
33% 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 9%.
| Received Bonus | - | 67% |
| No Bonus | - | 33% |
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 Nicaragua earn approximately 14% more than private sector employees in the same role.
| Public Sector | - | 245,300 NIO |
| Private Sector | -14% | 215,100 NIO |
Salaries for Jobs Similar to a Debt Adviser
In the table below, we have salary information for jobs that are similar to a Debt Adviser in Nicaragua.
| Job Title | Category | Salary |
|---|---|---|
| Account Examiner | Accounting and Finance | 123,400 NIO |
| Account Executive | Accounting and Finance | 201,100 NIO |
| Accountant | Accounting and Finance | 159,500 NIO |
| Accounting Analyst | Accounting and Finance | 204,700 NIO |
| Accounting Assistant | Accounting and Finance | 119,700 NIO |
| Accounting Associate | Accounting and Finance | 113,560 NIO |
| Accounting Clerk | Accounting and Finance | 96,960 NIO |
| Accounting Coordinator | Accounting and Finance | 148,300 NIO |
| Accounting Head | Accounting and Finance | 319,600 NIO |
| Accounting Manager | Accounting and Finance | 340,000 NIO |
| Accounting Officer | Accounting and Finance | 118,260 NIO |
| Accounting Specialist | Accounting and Finance | 204,000 NIO |
| Accounting Supervisor | Accounting and Finance | 222,300 NIO |
| Accounting Technician | Accounting and Finance | 115,560 NIO |
| Accounting Unit Controller | Accounting and Finance | 265,000 NIO |
| Accounts Executive | Accounting and Finance | 197,600 NIO |
| Accounts Officer | Accounting and Finance | 127,700 NIO |
| Accounts Payable Assistant | Accounting and Finance | 127,700 NIO |
| Accounts Payable Associate | Accounting and Finance | 138,200 NIO |
| Accounts Payable Clerk | Accounting and Finance | 112,760 NIO |
| Accounts Payable Manager | Accounting and Finance | 318,800 NIO |
| Accounts Payable and Receivable Specialist | Accounting and Finance | 157,600 NIO |
| Accounts Receivable Administrator | Accounting and Finance | 225,300 NIO |
| Accounts Receivable Clerk | Accounting and Finance | 113,700 NIO |
| Accounts Receivable Financial Analyst | Accounting and Finance | 225,300 NIO |
| Accounts Receivable Manager | Accounting and Finance | 315,900 NIO |
| Accounts Receivable Team Leader | Accounting and Finance | 225,300 NIO |
| Assistant Accountant | Accounting and Finance | 125,100 NIO |
| Assistant Accounting Manager | Accounting and Finance | 296,000 NIO |
| Assistant Auditor | Accounting and Finance | 158,700 NIO |
| Assistant Corporate Controller | Accounting and Finance | 217,900 NIO |
| Assistant Finance Manager | Accounting and Finance | 341,400 NIO |
| Assistant Financial Controller | Accounting and Finance | 207,800 NIO |
| Audit Director | Accounting and Finance | 344,600 NIO |
| Audit Supervisor | Accounting and Finance | 292,000 NIO |
| Auditing Clerk | Accounting and Finance | 127,700 NIO |
| Auditing Manager | Accounting and Finance | 340,400 NIO |
| Billing Clerk | Accounting and Finance | 115,940 NIO |
| Billing Coordinator | Accounting and Finance | 150,000 NIO |
| Billing Specialist | Accounting and Finance | 172,200 NIO |
| Billing Supervisor | Accounting and Finance | 240,500 NIO |
| Bookkeeper | Accounting and Finance | 99,340 NIO |
| Bookkeeping Specialist | Accounting and Finance | 154,700 NIO |
| Budget Analyst | Accounting and Finance | 275,800 NIO |
| Budget Manager | Accounting and Finance | 313,700 NIO |
| Business Support Analyst | Accounting and Finance | 175,900 NIO |
| Capital Markets Associate | Accounting and Finance | 243,000 NIO |
| Cash Flow Analyst | Accounting and Finance | 245,300 NIO |
| Cash Management Manager | Accounting and Finance | 308,900 NIO |
| Cash Management Officer | Accounting and Finance | 189,300 NIO |
| Cashbook Clerk | Accounting and Finance | 102,620 NIO |
| Chartered Accountant | Accounting and Finance | 200,000 NIO |
| Chief Accountant | Accounting and Finance | 243,000 NIO |
| Collections Clerk | Accounting and Finance | 95,980 NIO |
| Collections Representative | Accounting and Finance | 139,100 NIO |
| Collections Specialist | Accounting and Finance | 158,700 NIO |
| Corporate Controller | Accounting and Finance | 254,700 NIO |
| Corporate Treasurer | Accounting and Finance | 294,300 NIO |
| Cost Accountant | Accounting and Finance | 159,100 NIO |
| Cost Accounting Manager | Accounting and Finance | 325,800 NIO |
| Cost Accounting Supervisor | Accounting and Finance | 263,100 NIO |
| Cost Analyst | Accounting and Finance | 247,800 NIO |
| Credit Controller | Accounting and Finance | 212,500 NIO |
| Credit Manager | Accounting and Finance | 327,300 NIO |
| Credit and Collection Manager | Accounting and Finance | 307,400 NIO |
| Credit and Collection Staff | Accounting and Finance | 115,940 NIO |
| Credit and Loans Officer | Accounting and Finance | 117,440 NIO |
| Debt Collector | Accounting and Finance | 134,600 NIO |
| Debtors Clerk | Accounting and Finance | 103,260 NIO |
| Debtors Controller | Accounting and Finance | 118,260 NIO |
| Deputy CFO | Accounting and Finance | 425,100 NIO |
| Deputy Head of Finance | Accounting and Finance | 430,000 NIO |
| Derivative Trader | Accounting and Finance | 275,500 NIO |
| Director of Finance | Accounting and Finance | 475,700 NIO |
| Economist | Accounting and Finance | 357,700 NIO |
| Equity Analyst | Accounting and Finance | 294,300 NIO |
| Escrow Assistant | Accounting and Finance | 136,100 NIO |
| Executive Accountant | Accounting and Finance | 172,200 NIO |
| External Auditor | Accounting and Finance | 221,500 NIO |
| Finance Administrator | Accounting and Finance | 183,600 NIO |
| Finance Analyst | Accounting and Finance | 282,300 NIO |
| Finance Associate | Accounting and Finance | 142,300 NIO |
| Finance Director | Accounting and Finance | 464,900 NIO |
| Finance Executive | Accounting and Finance | 332,500 NIO |
| Finance Licensing Clerk | Accounting and Finance | 115,080 NIO |
| Finance Licensing Manager | Accounting and Finance | 290,800 NIO |
| Finance Licensing Specialist | Accounting and Finance | 172,200 NIO |
| Finance Manager | Accounting and Finance | 424,300 NIO |
| Finance Officer | Accounting and Finance | 146,200 NIO |
| Finance President | Accounting and Finance | 485,300 NIO |
| Finance Relationship Manager | Accounting and Finance | 362,200 NIO |
| Finance Release Analyst | Accounting and Finance | 172,200 NIO |
| Finance Specialist | Accounting and Finance | 265,000 NIO |
| Finance Team Leader | Accounting and Finance | 367,900 NIO |
| Financial Accountant | Accounting and Finance | 158,700 NIO |
| Financial Actuary | Accounting and Finance | 251,500 NIO |
| Financial Administrator | Accounting and Finance | 268,900 NIO |
| Financial Advisor | Accounting and Finance | 275,500 NIO |
| Financial Analyst | Accounting and Finance | 279,400 NIO |
| Financial Applications Specialist | Accounting and Finance | 190,500 NIO |
| Financial Assistant | Accounting and Finance | 129,000 NIO |
| Financial Associate | Accounting and Finance | 124,400 NIO |
| Financial Associate | Accounting and Finance | 154,700 NIO |
| Financial Claims Analyst | Accounting and Finance | 204,700 NIO |
| Financial Claims Manager | Accounting and Finance | 282,500 NIO |
| Financial Claims Supervisor | Accounting and Finance | 253,400 NIO |
| Financial Clerk | Accounting and Finance | 118,200 NIO |
| Financial Commercial Analyst | Accounting and Finance | 239,000 NIO |
| Financial Compliance Analyst | Accounting and Finance | 257,700 NIO |
| Financial Consultant | Accounting and Finance | 209,700 NIO |
| Financial Controller | Accounting and Finance | 243,000 NIO |
| Financial Controller | Accounting and Finance | 249,600 NIO |
| Financial Coordinator | Accounting and Finance | 148,300 NIO |
| Financial Customer Service Manager | Accounting and Finance | 275,800 NIO |
| Financial Dealer and Broker | Accounting and Finance | 174,000 NIO |
| Financial Director | Accounting and Finance | 454,300 NIO |
| Financial Encoder | Accounting and Finance | 136,100 NIO |
| Financial Manager | Accounting and Finance | 420,100 NIO |
| Financial Manager | Accounting and Finance | 462,300 NIO |
| Financial Operations Manager | Accounting and Finance | 385,300 NIO |
| Financial Policy Analyst | Accounting and Finance | 243,000 NIO |
| Financial Project Manager | Accounting and Finance | 335,800 NIO |
| Financial Quantitative Analyst | Accounting and Finance | 283,400 NIO |
| Financial Reporting Consultant | Accounting and Finance | 232,400 NIO |
| Financial Reporting Manager | Accounting and Finance | 301,800 NIO |
| Financial Section Head | Accounting and Finance | 314,500 NIO |
| Financial Services Manager | Accounting and Finance | 401,300 NIO |
| Financial Services Sales Agent | Accounting and Finance | 164,200 NIO |
| Fixed Assets Administrator | Accounting and Finance | 158,700 NIO |
| Forensic Accountant | Accounting and Finance | 183,600 NIO |
| Fraud Detection Supervisor | Accounting and Finance | 195,200 NIO |
| Fraud Prevention Manager | Accounting and Finance | 311,700 NIO |
| Fund Accountant | Accounting and Finance | 154,700 NIO |
| Grants Coordinator | Accounting and Finance | 117,520 NIO |
| Group Financial Manager | Accounting and Finance | 453,200 NIO |
| Internal Auditor | Accounting and Finance | 222,300 NIO |
| Internal Control Adviser | Accounting and Finance | 249,600 NIO |
| Internal Control Officer | Accounting and Finance | 134,600 NIO |
| International Tax Director | Accounting and Finance | 378,800 NIO |
| Inventory Accountant | Accounting and Finance | 158,700 NIO |
| Investment Advisor | Accounting and Finance | 413,900 NIO |
| Investment Analyst | Accounting and Finance | 322,600 NIO |
| Investment Associate | Accounting and Finance | 273,000 NIO |
| Investment Broker | Accounting and Finance | 263,100 NIO |
| Investment Fund Manager | Accounting and Finance | 348,300 NIO |
| Investment Operations Manager | Accounting and Finance | 369,900 NIO |
| Investment Underwriter | Accounting and Finance | 138,800 NIO |
| Investor | Accounting and Finance | 205,700 NIO |
| Investor Relations Manager | Accounting and Finance | 301,700 NIO |
| KYC Team Leader | Accounting and Finance | 301,700 NIO |
| Loan Processor | Accounting and Finance | 136,100 NIO |
| Management Accountant | Accounting and Finance | 183,700 NIO |
| Management Economist | Accounting and Finance | 351,900 NIO |
| Paymaster | Accounting and Finance | 130,400 NIO |
| Payroll Administrator | Accounting and Finance | 201,100 NIO |
| Payroll Benefits Coordinator | Accounting and Finance | 174,000 NIO |
| Payroll Billing Manager | Accounting and Finance | 277,400 NIO |
| Payroll Clerk | Accounting and Finance | 142,300 NIO |
| Payroll Manager | Accounting and Finance | 282,300 NIO |
| Payroll Officer | Accounting and Finance | 138,800 NIO |
| Payroll Specialist | Accounting and Finance | 159,500 NIO |
| Payroll Supervisor | Accounting and Finance | 208,600 NIO |
| Pensions Administrator | Accounting and Finance | 159,400 NIO |
| Personal Financial Advisor | Accounting and Finance | 245,300 NIO |
| Pricing Analyst | Accounting and Finance | 258,400 NIO |
| Private Equity Analyst | Accounting and Finance | 268,900 NIO |
| Project Accountant | Accounting and Finance | 168,100 NIO |
| Proposal Development Coordinator | Accounting and Finance | 136,100 NIO |
| Receivables Accountant | Accounting and Finance | 148,300 NIO |
| Regulatory Accountant | Accounting and Finance | 169,000 NIO |
| Retirement Plan Analyst | Accounting and Finance | 254,700 NIO |
| Revenue Management Specialist | Accounting and Finance | 252,300 NIO |
| Revenue Recognition Analyst | Accounting and Finance | 292,000 NIO |
| Risk Management Director | Accounting and Finance | 363,000 NIO |
| Risk Management Supervisor | Accounting and Finance | 318,800 NIO |
| Staff Accountant | Accounting and Finance | 157,600 NIO |
| Tax Accountant | Accounting and Finance | 151,800 NIO |
| Tax Administrator | Accounting and Finance | 175,900 NIO |
| Tax Advisor | Accounting and Finance | 239,000 NIO |
| Tax Analyst | Accounting and Finance | 231,000 NIO |
| Tax Associate | Accounting and Finance | 129,000 NIO |
| Tax Consultant | Accounting and Finance | 252,300 NIO |
| Tax Director | Accounting and Finance | 351,200 NIO |
| Tax Examiner | Accounting and Finance | 172,400 NIO |
| Tax Manager | Accounting and Finance | 315,700 NIO |
| Tax Research Manager | Accounting and Finance | 332,500 NIO |
| Teller | Accounting and Finance | 91,960 NIO |
| Treasury Accountant | Accounting and Finance | 164,200 NIO |
| Treasury Analyst | Accounting and Finance | 271,300 NIO |
| Underwriter | Accounting and Finance | 113,840 NIO |
| Underwriting Assistant | Accounting and Finance | 101,120 NIO |
| Vice President of Finance | Accounting and Finance | 436,200 NIO |
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