At clover®, decision making is structured to support efficiency, accountability, and responsible execution across all business activities. Decisions are taken at appropriate organizational levels in alignment with company strategy, governance principles, and operational requirements.

Authority & Responsibility

Decision-making authority is defined clearly within the organization. While strategic decisions remain the responsibility of senior management, operational decisions are delegated to qualified individuals and teams based on their roles, expertise, and responsibilities.

Participatory Approach

We encourage a participatory management approach in which employees contribute ideas, insights, and expertise to the decision-making process. Input from relevant teams is considered to support well-informed and effective outcomes.

Accountability

Individuals authorized to make decisions are accountable for their execution and outcomes. Responsibilities are defined clearly to ensure ownership, transparency, and alignment with company objectives.

Timeliness & Efficiency

Decisions are taken in a timely manner to support operational efficiency and business continuity. Approval processes are designed to minimize unnecessary bureaucracy while maintaining appropriate oversight.

Alignment with Company Interests

All decisions are evaluated based on their impact on the company’s long-term interests, compliance obligations, risk profile, and stakeholder expectations.

Continuous Improvement

Decision-making processes are reviewed periodically to ensure effectiveness, clarity, and alignment with evolving business needs and organizational structure.