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Risk and Capital Manager Average Salary in Morocco 2020

How much money does a Risk and Capital Manager make in Morocco?


Average Monthly Salary
32,300 MAD
( 387,000 MAD yearly)

LOW
15,500
MAD
AVERAGE
32,300
MAD
HIGH
50,700
MAD

A person working as a Risk and Capital Manager in Morocco typically earns around 32,300 MAD per month. Salaries range from 15,500 MAD (lowest) to 50,700 MAD (highest).

This is the average monthly salary including housing, transport, and other benefits. Risk and Capital Manager salaries vary drastically based on experience, skills, gender, or location. Below you will find a detailed breakdown based on many different criteria.

Risk and Capital Manager Salary Distribution in Morocco

Median and salary distribution monthly Morocco Risk and Capital Manager
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The median, the maximum, the minimum, and the range

  • Salary Range

    Risk and Capital Manager salaries in Morocco range from 15,500 MAD per month (minimum salary) to 50,700 MAD per month (maximum salary).

  • Median Salary

    The median salary is 33,600 MAD per month, which means that half (50%) of people working as Risk and Capital Manager(s) are earning less than 33,600 MAD while the other half are earning more than 33,600 MAD. The median represents the middle salary value. Generally speaking, you would want to be on the right side of the graph with the group earning more than the median salary.

  • Percentiles

    Closely related to the median are two values: the 25th and the 75th percentiles. Reading from the salary distribution diagram, 25% of Risk and Capital Manager(s) are earning less than 22,100 MAD while 75% of them are earning more than 22,100 MAD. Also from the diagram, 75% of Risk and Capital Manager(s) are earning less than 43,800 MAD while 25% are earning more than 43,800 MAD.


What is the difference between the median and the average salary?

Both are indicators. If your salary is higher than both of the average and the median then you are doing very well. If your salary is lower than both, then many people are earning more than you and there is plenty of room for improvement. If your wage is between the average and the median, then things can be a bit complicated. We wrote a guide to explain all about the different scenarios. How to compare your salary

Risk and Capital Manager Salary Comparison by Years of Experience

How does experience and age affect your pay?

Salary comparison by years of experience monthly Morocco Risk and Capital Manager
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The experience level is the most important factor in determining the salary. Naturally the more years of experience the higher your wage. We broke down Risk and Capital Manager salaries by experience level and this is what we found.

A Risk and Capital Manager with less than two years of experience makes approximately 18,100 MAD per month.

While someone with an experience level between two and five years is expected to earn 25,700 MAD per month, 42% more than someone with less than two year's experience.

Moving forward, an experience level between five and ten years lands a salary of 33,800 MAD per month, 31% more than someone with two to five years of experience.

On average, a person's salary doubles their starting salary by the time they cross the 10 years* experience mark.
* Based on the average change in salary over time. Salary variations differ from person to person.

Additionally, Risk and Capital Manager(s) whose expertise span anywhere between ten and fifteen years get a salary equivalent to 41,500 MAD per month, 23% more than someone with five to ten years of experience.

If the experience level is between fifteen and twenty years, then the expected wage is 44,200 MAD per month, 6% more than someone with ten to fifteen years of experience.

Lastly, employees with more than twenty years of professional experience get a salary of 48,400 MAD per month, 10% more than people with fifteen to twenty years of experience.


Risk and Capital Manager average salary change by experience in Morocco

0 - 2 Years
18,100 MAD
2 - 5 Years+42%
25,700 MAD
5 - 10 Years+31%
33,800 MAD
10 - 15 Years+23%
41,500 MAD
15 - 20 Years+6%
44,200 MAD
20+ Years+10%
48,400 MAD
Percentage increase and decrease are relative to the previous value

Typical Salary Progress for Most Careers

Salary Comparison By Experience Level
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Risk and Capital Manager Salary Comparison By Education

How do education levels affect salaries?

Displayed below is the average salary difference between different Risk and Capital Manager(s) who have the same experience but different education levels.

Salary comparison by education level monthly Morocco Risk and Capital Manager
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We all know that higher education equals a bigger salary, but how much more money can a degree add to your income? We broke down Risk and Capital Manager salaries by education level in order to make a comparison.

When the education level is High School, the average salary of a Risk and Capital Manager is 22,500 MAD per month.

While someone with a Certificate or Diploma gets a salary of 26,000 MAD per month, 16% more than someone having a High School degree.

A Bachelor's Degree gets its holder an average salary of 38,000 MAD per month, 46% more than someone with a Certificate or Diploma.

Professionals who hold a Master's Degree are rewarded with an average salary of 46,800 MAD per month, 23% more than someone with Bachelor's Degree.


Risk and Capital Manager average salary difference by education level in Morocco

High School
22,500 MAD
Certificate or Diploma+16%
26,000 MAD
Bachelor's Degree+46%
38,000 MAD
Master's Degree+23%
46,800 MAD
Percentage increase and decrease are relative to the previous value

Is a Master's degree or an MBA worth it? Should you pursue higher education?

A Master's degree program or any post-graduate program in Morocco costs anywhere from 97,100 Moroccan Dirham(s) to 291,000 Moroccan Dirham(s) and lasts approximately two years. That is quite an investment.

You can't really expect any salary increases during the study period, assuming you already have a job. In most cases, a salary review is conducted once education is completed and the degree has been attained.

Many people pursue higher education as a tactic to switch into a higher paying job. The numbers seem to support the thoery. The average increase in compensation while changing jobs is approximately 10% more than the customary salary increment.

If you can afford the costs of higher education, the return on investment is definitely worth it. You should be able to recover the costs in roughly a year or so.


Typical Salary Difference by Education for Most Careers

Salary Comparison By Education Level
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Risk and Capital Manager Salary Comparison By Gender

Salary comparison by gender monthly Morocco Risk and Capital Manager
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Though gender should not have an effect on pay, in reality, it does. So who gets paid more: men or women? Male Risk and Capital Manager employees in Morocco earn 9% more than their female counterparts on average.

Male
34,200 MAD
Female-8%
31,400 MAD
Percentage increase and decrease are relative to the previous value

Salary Comparison By Gender in Morocco for all Careers

Salary comparison by gender monthly Morocco
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Risk and Capital Manager Average Annual Salary Increment Percentage in Morocco

How much are annual salary increments in Morocco for Risk and Capital Manager(s)? How often do employees get salary raises?

Risk and Capital Manager

Risk and Capital Manager(s) in Morocco are likely to observe a salary increase of approximately 14% every 16 months. The national average annual increment for all professions combined is 9% granted to employees every 17 months.

Annual Salary Increment Rate Morocco Risk and Capital Manager
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The figures provided here are averages of numbers. Those figures should be taken as general guidelines. Salary increments will vary from person to person and depend on many factors, but your performance and contribution to the success of the organization remain the most important factors in determining how much and how often you will be granted a raise.

Morocco / All Professions

The term 'Annual Salary Increase' usually refers to the increase in 12 calendar month period, but because it is rarely that people get their salaries reviewed exactly on the one year mark, it is more meaningful to know the frequency and the rate at the time of the increase.

How to calculate the salary increment percentage?

The annual salary Increase in a calendar year (12 months) can be easily calculated as follows: Annual Salary Increase = Increase Rate x 12 ÷ Increase Frequency

The average salary increase in one year (12 months) in Morocco is 6%.

Annual Increment Rate By Industry 2019

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

Listed above are the average annual increase rates for each industry in Morocco for the year 2019. Companies within thriving industries tend to provide higher and more frequent raises. Exceptions do exist, but generally speaking, the situation of any company is closely related to the economic situation in the country or region. These figures tend to change frequently.


Worldwide Salary Raises: All Countries and All Jobs

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Risk and Capital Manager Bonus and Incentive Rates in Morocco

How much and how often are bonuses being awarded?Annual Salary Bonus Rate Morocco Risk and Capital Manager
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A Risk and Capital Manager is considered to be a high bonus-based job due to the generally limited involvement in direct revenue generation, with exceptions of course. The people who get the highest bonuses are usually somehow involved in the revenue generation cycle.

17% of surveyed staff reported that they haven't received any bonuses or incentives in the previous year while 83% said that they received at least one form of monetary bonus.

Those who got bonuses reported rates ranging from 5% to 9% of their annual salary.

Received Bonus
83%
No Bonus
17%

Types of Bonuses Considered

Individual Performance-Based Bonuses

The most standard form of bonus where the employee is awarded based on their exceptional performance.

Company Performance Bonuses

Occasionally, some companies like to celebrate excess earnings and profits with their staff collectively in the form of bonuses that are granted to everyone. The amount of the bonus will probably be different from person to person depending on their role within the organization.

Goal-Based Bonuses

Granted upon achieving an important goal or milestone.

Holiday / End of Year Bonuses

These types of bonuses are given without a reason and usually resemble an appreciation token.

Bonuses Are Not Commissions!

People tend to confuse bonuses with commissions. A commission is a prefixed rate at which someone gets paid for items sold or deals completed while a bonus is in most cases arbitrary and unplanned.


What makes a position worthy of good bonuses and a high salary?

The main two types of jobs

Revenue GeneratorsSupporting Cast

Employees that are directly involved in generating revenue or profit for the organization. Their field of expertise usually matches the type of business.

Employees that support and facilitate the work of revenue generators. Their expertise is usually different from that of the core business operations.

Example:
A graphics designer working for a graphics designing company.

Example:
A graphic designer in the marketing department of a hospital.


Revenue generators usually get more and higher bonuses, higher salaries, and more frequent salary increments. The reason is quite simple: it is easier to quantify your value to the company in monetary terms when you participate in revenue generation.

Try to work for companies where your skills can generate revenue. We can't all generate revenue and that's perfectly fine.

Bonus Comparison by Seniority Level

Top management personnel and senior employees naturally exhibit higher bonus rates and frequencies than juniors. This is very predictable due to the inherent responsibilities of being higher in the hierarchy. People in top positions can easily get double or triple bonus rates than employees down the pyramid.

Risk and Capital Manager Average Hourly Wage in Morocco


190 MAD per hour

The average hourly wage (pay per hour) in Morocco is 190 MAD. This means that the average Risk and Capital Manager in Morocco earns approximately 190 MAD for every worked hour.


Hourly Wage = Annual Salary ÷ ( 52 x 5 x 8 )

The hourly wage is the salary paid in one worked hour. Usually jobs are classified into two categories: salaried jobs and hourly jobs. Salaried jobs pay a fix amount regardless of the hours worked. Hourly jobs pay per worked hour. To convert salary into hourly wage the above formula is used (assuming 5 working days in a week and 8 working hours per day which is the standard for most jobs). The hourly wage calculation may differ slightly depending on the worked hours per week and the annual vacation allowance. The figures mentioned above are good approximations and are considered to be the standard. One major difference between salaried employees and hourly paid employees is overtime eligibility. Salaried employees are usually exempt from overtime as opposed to hourly paid staff.

Risk and Capital Manager VS Other Jobs

Salary Comparison Between Risk and Capital Manager and Executive and Management monthly Morocco
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The average salary for Risk and Capital Manager is 23% more than that of Executive and Management. Also, Executive and Management salaries are 35% more than those of All Jobs.

Salary comparison with similar jobs

Job TitleAverage Salary
Account Coordinator18,900 MAD-41%
Administration Manager21,900 MAD-32%
Area Manager21,100 MAD-35%
Asset Protection Associate22,700 MAD-30%
Assistant Director21,800 MAD-32%
Assistant Manager24,600 MAD-24%
Assistant Operations Manager26,000 MAD-19%
Assistant Project Manager22,300 MAD-31%
Assistant Section Head18,400 MAD-43%
Assistant to CEO20,400 MAD-37%
Assistant Vice President23,300 MAD-28%
Associate Director23,400 MAD-27%
Bid Manager27,000 MAD-16%
Branch Manager25,300 MAD-22%
Business Development Manager27,800 MAD-14%
Business Operations Associate22,300 MAD-31%
Business Operations Lead24,100 MAD-25%
Campaign Manager25,300 MAD-22%
Chairman of The Board41,800 MAD+30%
Chairman Office Manager28,700 MAD-11%
Chief Corporate Officer36,700 MAD+14%
Chief Executive Officer41,900 MAD+30%
Chief Financial Officer41,100 MAD+27%
Chief of Staff20,800 MAD-36%
Chief Operating Officer33,000 MAD+2%
Chief Risk Officer27,400 MAD-15%
Client Services Manager27,700 MAD-14%
Commercial Project Manager22,900 MAD-29%
Commodity Broker17,700 MAD-45%
Corporate Affairs Executive26,000 MAD-19%
Corporate Compliance Director27,000 MAD-16%
Corporate Director29,800 MAD-8%
Corporate Officer20,300 MAD-37%
Corporate Partnerships Officer20,000 MAD-38%
Country Manager33,400 MAD+3%
Deputy Director32,200 MAD-0%
Director33,800 MAD+5%
Director of Accreditation28,600 MAD-11%
Director of Catering Services26,900 MAD-17%
Director of Client Services26,700 MAD-17%
Director of Facilities Management23,400 MAD-27%
Director of Operations28,600 MAD-11%
Director of Process Simplification22,600 MAD-30%
Director of Project Management31,000 MAD-4%
Director of Revenue Management27,500 MAD-15%
Director of Training and Development27,200 MAD-16%
Distribution Manager30,400 MAD-6%
Division Manager25,200 MAD-22%
Duty Manager25,800 MAD-20%
Engagement Manager31,500 MAD-2%
Executive Director41,500 MAD+29%
Executive Manager35,000 MAD+8%
Franchise Manager36,100 MAD+12%
General Manager34,400 MAD+7%
Global Master Data Manager29,500 MAD-9%
Head of Middle Office27,600 MAD-14%
Head of Projects29,800 MAD-8%
Head of Sustainability24,700 MAD-23%
Housing Manager24,300 MAD-25%
HSE Manager23,300 MAD-28%
Key Account Manager23,200 MAD-28%
Knowledge Manager27,200 MAD-16%
Location Manager26,400 MAD-18%
Logistics Manager23,000 MAD-29%
Management Consultant22,100 MAD-32%
Management Executive31,100 MAD-4%
Manager28,000 MAD-13%
Managing Director35,100 MAD+9%
MIS Executive27,600 MAD-14%
Ocean Services Manager29,400 MAD-9%
Operations Assistant20,900 MAD-35%
Operations Director33,000 MAD+2%
Operations Executive32,700 MAD+1%
Operations Manager32,700 MAD+1%
Operations Supervisor26,800 MAD-17%
Policy Administration Executive23,700 MAD-27%
Private Sector Executive26,300 MAD-19%
Product Development Manager30,200 MAD-6%
Product Executive25,800 MAD-20%
Production Executive29,200 MAD-10%
Production Manager28,400 MAD-12%
Production Supervisor24,800 MAD-23%
Program Manager29,100 MAD-10%
Programme Coordinator20,100 MAD-38%
Project Control Manager30,800 MAD-5%
Project Coordinator17,100 MAD-47%
Project Management Officer21,000 MAD-35%
Project Manager22,800 MAD-29%
Project Portfolio Manager22,500 MAD-30%
Quality Manager23,300 MAD-28%
R/D Director25,000 MAD-23%
Regional Director41,400 MAD+28%
Regional Manager31,200 MAD-3%
Relationship Manager28,300 MAD-12%
Retail District Manager21,400 MAD-34%
Revenue Manager21,900 MAD-32%
Risk and Capital Manager32,300 MAD+0%
Risk Officer22,600 MAD-30%
Safety Manager21,800 MAD-32%
Section Head21,600 MAD-33%
Service Manager22,900 MAD-29%
Shift Supervisor18,600 MAD-42%
Solutions Manager20,100 MAD-38%
Supervisor18,400 MAD-43%
Supply Chain Manager31,200 MAD-3%
Surveyor19,900 MAD-38%
Technical Manager28,100 MAD-13%
Territory Manager28,800 MAD-11%
Validation Manager24,800 MAD-23%
Vice President34,200 MAD+6%
Zone Manager30,900 MAD-4%

Salary Comparison By City

CityAverage Salary
Agadir28,600 MAD
Casablanca36,300 MAD
Marrakech32,400 MAD
Rabat30,300 MAD
Tangier33,800 MAD

Government vs Private Sector Salary Comparison

Where can you get paid more, working for a private company or for the government? Public sector employees in Morocco earn 8% more than their private sector counterparts on average across all sectors.

Private Sector
18,500 MAD
Public Sector+8%
20,100 MAD
Percentage increase and decrease are relative to the previous value

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