Lucas Wittman

Senior Business Manager at Capital One

United States

About

Senior strategy leader | Growth, customer & financial impact | Credit & risk analytics | Data and framework driven problem solving

Experience

  • Capital One (US EST · Remote)
    • Senior Business Manager
      Apr 2026 - Present · 3 mos

      Experience Platform Analytics, Customer Experience

    • Senior Business Manager
      Sep 2021 - Apr 2026 · 4 yrs 8 mos

      Small Business Card, Customer Management • Own end-to-end portfolio management strategy for Small Business Card high line portfolio, partnering with product, underwriting, and risk leaders to balance customer growth, credit risk, and long-term portfolio profitability. • Design and launch credit lifecycle strategies spanning underwriting, account monitoring, and pre-collections interventions to improve portfolio performance and borrower outcomes. • Develop risk decisioning frameworks that integrate internal and external data signals to proactively identify deteriorating accounts and enable earlier credit interventions. • Lead cross-functional initiatives with product, engineering, and operations teams to implement new portfolio policies and decisioning strategies and establish performance monitoring frameworks. • Manage and develop a team of analysts, guiding problem structuring, analytical approaches, and stakeholder communication to support data-driven portfolio decisions.

  • Finance Manager at American Express
    May 2017 - Sep 2021 · 4 yrs 5 mos

    • Led financial strategy and performance management for Commercial and Small Business customer acquisition investments, partnering with senior leaders across marketing, sales, and product to evaluate growth opportunities and optimize portfolio economics. • Developed financial models and analytical frameworks to assess pricing, incentive structures, and digital platform investments supporting strategic decision making. • Guided prioritization of growth initiatives through rigorous investment analysis, ensuring alignment between customer growth objectives and long-term profitability.

  • Hedge Fund Specialist at J.P. Morgan
    Feb 2015 - Mar 2017 · 2 yrs 2 mos

    • Managed end-to-end administration for 4–8 hedge fund portfolios, overseeing monthly close, NAV determination, investor reporting, and coordination with client accounting and investor relations teams while supporting operational improvements that drove increased process efficiency