Muthoot Capital Services Limited appointed Mrs. Umadevi Pazhoor Unnikrishnan as the Chief Risk Officer of the Company w.e.f., March 22, 2023 for a period of three years pursuant to Master Direction - Non-Banking Financial Company - Systemically Important Non-Deposit taking Company and Deposit taking Company (Reserve Bank) Directions, 2016 dated December 29, 2022. Summary of Skills: 18 years of extensive work experience in Banking, specialized in Credit Appraisal,Credit Risk, Market Risk and Operational Risk. Demonstrated ability in a gamut of functions in Accounts, Finance, Budgeting, MIS, Internal auditing and statutory compliances.

Identified, Planned, and executed sales penetration strategy expanding market share, and creating revenue growth and customer retention. Hands-on experience in client servicing, credit appraisal, documentation, and team management Active knowledge of accounting softwares such as Tally, Quick books, Peachtree, Viztopia, IRIS, Sage, and other accounting software. Acquired exposure to Business Analysis, Designing Forms, Preparing Test Data, and Testing System.

Limited insolvency examination, Insolvency and Bankruptcy Board of India (2021). Risk in Financial Services Level 1 Certification (2018) Indian Institute of Banking & Finance, India, Certified Associate of Indian Institute of Bankers (2014) Indian Institute of Banking & Finance, India, Junior Associate of Indian Institute of Bankers Certification (2013) Indian Institute of Banking & Finance, India, Chartered Accountancy (1999 - 2004)Institute of Chartered Accountants of India, Bachelor of Commerce (1996 - 1999),The Ethiraj College for Women/Madras University. Chennai.

India. Professional experience: YES BANK LTD SEB Risk (Kerala and South India (Jul 2018 ­ Present), Dhanlaxmi Bank LtdSenior Manager ­: Head Risk (Aug 2017 - Jun 2018).