| Sampling Factors: |
Location (Not Relevant: As the same set of standard process is being used across locations. People / Workforce practices defined and implemented do not vary across locations. Head office of the OU is Pune. People policies and practices are formulated & implemented in the Head office and further the Head office drives the implementation of people / workforce practices across other branch offices in India)
Customer (Not Relevant: As the set of standard processes & people practices being used does not differ across customers accounts)
Size (Not Relevant: As the size does not differentiate the workforce practices being performed. Set of standard processes & people practices being used do not differ based on size)
Organizational Structure: As there are different Business divisions comprising the Organizational Unit covering Consumer business, SME business, Commercial Finance, Rural Finance and Relationship business and some of the people practices & processes differ across these Business divisions based on the nature of work
Type of Work (Not Relevant: Type of work is subsumed in the Organizational structure. Organizational structure selected as a sampling factor covers different business divisions where some of the people practices & processes differs) |
| Sampling Factor Values: |
Consumer Business (Organizational Structure): Consumer Business division deals with consumer level financing comprising of various products such as Consumer Durable Finance, Lifestyle Finance, Digital Product Finance, Cross sale, Home loans to Salaried Employees and Salaried Personal Loans
SME Business (Organizational Structure): SME Business division is responsible for working capital financing of Small & Medium Enterprises. It provides various loan options such as Professional loan, Business loan, Loan against Property and Home loans
Commercial Finance (Organizational Structure): Commercial Finance division is primarily dealing with large ticket working capital loans, which are provided as credit lines to various large industries. It is primarily a B2B model. It also includes Commercial Lending and Loans against securities (LAS)
Rural Finance (Organizational Structure): Rural Finance division provides loan solutions to relatively lesser banked areas in India. It provides customized products relevant for rural markets, such as, Rural Lending and MSME (Micro / Small and Medium Enterprises Finance)
Relationship Business (Organizational Structure): Relationship Business division uses the customer base acquired by the SME/Consumer businesses, to deepen the existing customer relationship by offering various products such as Insurance services, SME cross sell and Wealth Management |
| Subgroups: |
SG1 Consumer Business: This subgroup / division deals with consumer level financing
925 People, 6 Basic Units
– Consumer Business
SG2 SME Business: This subgroup / division is primarily responsible for working capital financing of Small & Medium Enterprises. It provides various loan options
500 People, 4 Basic Units
– SME Business
SG3 Commercial Finance: This subgroup / division is primarily dealing with large ticket working capital loans, which are provided as credit lines to various large industries. It is primarily a B2B model
30 People, 2 Basic Units
– Commercial Finance
SG4 Rural Finance: This subgroup/division provides loan solutions to relatively lesser banked areas in the country. It provides customized products relevant for rural markets
600 People, 2 Basic Units
– Rural Finance
SG5 Relationship Business: This subgroup/division uses the customer base acquired by the SME/Consumer businesses, to deepen the existing customer relationship by offering various products
110 People, 3 Basic Units
– Relationship Business |