Augment Analytics was founded by financial services consultants who believed there was a better way to help clients and is now led by a team who shares that philosophy
Founded in 2021 and headquartered in Virginia, with consultants across the US, Augment Analytics provides experienced independent consultants through staff augmentation and helps clients hire permanent employees through full lifecycle recruiting. Learn more about our services, from credit risk and compliance to data engineering and full lifecycle recruiting, and about our Capital One alumni consultants.
Brett Ludden
Co-founder, Managing Partner
During his 29 years in the financial services industry, Brett has worked across the spectrum: leading teams at one of the largest banks in the United States, forming and building out a mortgage lender/servicer/securitizer, and consulting for Fortune 500 financial institutions.
At Spinnaker Consulting Group, Brett led engagements for large banks, FinTechs, and SaaS, acting as a trusted advisor for senior executives overseeing functions including credit strategy, contact center, collections/recoveries, reporting, Agility analytics, model development, model validation, automation, and data infrastructure modernization.
At Capital One, Brett led analytics teams across the organization including corporate development, fraud, marketing strategy, credit policy, and credit risk. Brett was involved in highly regulated processes including CCAR/DFAST, ALLL, and SOX process and control management focusing most of his time in mortgage-related activities.
Brett has an undergraduate degree from the University of Virginia where he studied Mechanical Engineering.
Vivek Kumar
Managing Director
Vivek has spent 22+ years in consumer credit at banks and fintechs. He managed credit risk at Citi, Capital One, US Bank, Santander Consumer, and Goldman Sachs, then built and ran credit functions from scratch as a Chief Credit Officer and Chief Risk Officer at consumer and healthcare fintech lenders. He has also built risk, capital markets, and product functions at start-up ventures.
As Chief Credit Officer at Western Dental, Vivek owned credit, underwriting, pricing, and fraud policy, and built the financing function and its team from nothing. He designed and ran the CECL model and built the ML/AI scorecards behind its loss savings. He also brings significant capital markets experience, working with debt investors and banks.
At Goldman Sachs, he ran credit risk and pricing strategy for Marcus personal loans, SMB, and Apple Card. Earlier, he worked at Santander Consumer and managed card portfolio risk at Capital One.
Vivek holds a B.Tech. from the Indian Institute of Technology (IIT) Kanpur and completed executive education at the McCombs School of Business, University of Texas at Austin.