Looking for a job

Toby Northcote-Smith

@tobynorthcote-smith

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I build and scale product engineering platforms for global consumer and fintech products.

United States

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What I'm looking for

I'm open to relocation and looking to lead product and platform engineering teams building secure, privacy-first products from concept through global scale.

I've built product and platform engineering organizations behind global-scale products at Tala, Whatnot, Syng, Amazon Ring, and Grindr. At Tala, I built modern credit infrastructure supporting 2M daily loans and $350M annually, while creating the config-not-code platform that expanded the business from three to eight markets.

I pair product strategy with hands-on technical leadership across fintech, security, mobile, real-time systems, hardware, and crypto. I pioneered harness-based AI-assisted development at Tala, cutting delivery cycles from months to days, and led privacy-by-design, PII protection, automated security testing, and ISO 27701 certification.

I've grown Ring's mobile organization from 25 to 150+ people, improved its app rating from 2.3 to 4.8, and built encrypted, high-volume real-time systems at Grindr and anonopia.

Experience

Work history, roles, and key accomplishments

VP, Platform Engineering

Tala

Jul 2022 - Jul 2026 (4 years)

Built scalable modern credit infrastructure and pioneered AI-assisted development, reducing product delivery cycles from months to days. Elevated privacy, security, and reliability, and drove rapid market expansion.