Thomas Muthoot John is the Head of Innovation Lab at Muthoot Pappachan Group. The Innovation Lab has been set up recently, in line with the Group's one of the nine Strategic Objectives of, 'Constant Renewal' and also with one of the seven Culture Codes of, 'Fresh Thinking & Continuous Renewal'.

Also known as Thomas Muthoot Jr., he is the son of Muthoot Pappachan Group’s Chairman, Thomas John Muthoot. He has been involved with the Group’s flagship company, Muthoot Fincorp Ltd. (MFL) in day to day operationsnow for six long years. In the long on-going stint, Thomas Jr. spearheaded critical projects and led firm’s investments in multiple new businesses, start-ups and joint ventures. He also led the intensive study & subsequent re-structuring of MFL’s approval processes as the business was impacted by major bottlenecks in decision-making.

As a director on the board of Group’s Microfinance entity, Muthoot Microfin Ltd. (MML), Thomas Jr. has been an active member of the core group leading the building up of MML in its initial years. As per the nature of its business, MML’s predominant operations are at the grassroots, working closely with village level women entrepreneur. As an active part of the core group, Thomas Jr. has travelled extensively into villages and has interacted intensively with these simple and yet feisty women entrepreneurs. The deep understanding of these women customers, who face extreme challenges and yet exude positivity and ambition to rise above, has left lasting impressions on his mind & heart and helped him in ensuring that Group’s values & vision of truly serving the common man, is followed & practicedin letter & spirit.

Prior to stepping into the family business, Thomas Jr. was a full-time Strategic Analyst with global consulting major, KPMG, for over two years, at its New York and Chennai offices. Apart from a variety of assignments in Process & Internal Audit across various – typically large - KPMG Accounts, Thomas Jr. led a 5-member team which conducted Internal Auditing and Risk assessment for a NYSC-listed ITES Company; he also led fundamental process improvement and transformation in more than half a century old legacy systems of automobile major, Renault Nissan.

Thomas Jr. graduated in Economics from Loyola College, the University of Madras as part of the top 10 percentile of the batch. As part of long-term roadmap, he has planned to gain more operational experience working with MFL, before heading out for his post graduate studies.

Thomas Jr. is a passionate footballer & long-distance cyclist. In fact, hehas worked closely with Kerala Blasters Football Club (KBFC), Kerala’s team in the Indian Super League in the initial days, not only towards Muthoot Pappachan Group coming on board as the Title Sponsor, but also strategically supporting KBFC on various aspects.Apart from Sports, Thomas Jr. is also a voracious readerof books on Military Strategies, Psychology & Economics.