Ramesh Muthuswami

About Ramesh Muthuswami

I am a chartered accountant with about 24 years of post-qualification experience including 15 years of experience in credit rating domain. I had the privilege of working initially with a premier development financial Institution, IDBI Ltd and later with CRISIL Ltd, a premier credit rating agency in the country.Starting my career with IDBI provided invaluable exposure to project finance and long-term lending in addition to providing deep insights into restructuring and recovery of project loans. In credit rating space, I have extensively worked in rating of financial services companies including banks, NBFCs, HFCs, broking companies small finance banks and insurance companies and have particularly specialized in gold loan companies, MFIs, retail asset NBFCs and affordable housing finance companies. I have worked with clients across the rating spectrum - from B category to rated clients and across geographies. In addition, I have been a rating committee member at CRISIL that has enabled me to have macro perspectives as well.Subsequently, I took a break from regular employment and was engaged in providing consultancy services relating to credit rating and private credit assessment apart from being an empanelled trainer with CRISIL Ltd, training professionals working in financial sector space. I had developed a keen interest in retail NBFCs during my later part of career with CRISIL. When an opportunity knocked at my door to join an NBFC transitioning into retail space, I grabbed it with both hands. Resuming, full time employment, I joined Ananya Finance Inclusive Private Ltd, an organization that is well known in the impact space, particularly, microfinance, to head credit and risk verticals. As Ananya was taking shape as a retail NBFC-MFI, it provided an invaluable opportunity to understand the nuances of retail lending. Enriched with retail lending experience for little under three years at Ananya Finance, I moved to Muthoot FinCorp, a gold loan company fast transitioning into a multi product NBFC. My role involves review of emerging risks, particularly in the new business lines, and recommending suitable mitigants.

Experience

1. Chief Risk Officer

   Muthoot Fincorp Ltd.

   Jun 2025 — Present · Thiruvananthapuram, IN

   As the Chief Risk Officer, I am responsible for overseeing the organization’s risk management framework, ensuring the identification, assessment, mitigation, and monitoring of risks across all business and functional units. My role involves safeguarding the institution’s financial soundness, regulatory compliance, and reputation by establishing robust risk policies, fostering a risk-aware culture, and supporting strategic decision-making.

Education

• Madurai Kamaraj University

  Bachelor of Commerce - BCom

  1994 — 1997

• The Institute of Chartered Accountants of India

  Chartered Accountant, Accounting and Finance