Mr. Jayakumar is a post-graduate in Economics; and is a Certified Associate of Indian Institute of Bankers (CAIIB). He possesses vast experience in accountancy, banking, finance, audit and management.  He superannuated as a Senior Management Grade official from State Bank of India after serving for 38 years in corporate large value credit, MSME, retail banking, corporate credit audit; and agricultural banking.  After superannuation, he worked with SBI as Loan Reviewer of Corporate credit for many years on contractual basis.  He is associated with Sanghamithra as a consultant on audit and various management related aspects.