The Indian voice actor for Tamatoa looks just like him in human form
https://m.youtube.com/watch?v=Fwu_-VY4c7Q
https://m.youtube.com/watch?v=Y4RZpA2Uyak
Jermaine Clement really pulls off the English voice really well, but Bappi Lahiri really looks like Tamatoa as a human with all that gold he's wearing.