Toby De Havilland is a CTO and seasoned software engineer with nine years’ experience building web, mobile and desktop applications, now leading technology at fintech startup Wollit to deliver FCA-regulated income-stability products. He combines hands-on system architecture and engineering with a strong product instinct honed as founder of HiddenApp, a successful SaaS theft-recovery business that was sold. Toby’s background spans startups and agencies, shipping everything from large-scale mission-critical systems to interactive marketing apps and mobile experiences across Python, JavaScript/TypeScript and native iOS/Android stacks. He’s comfortable moving between code, infrastructure and customer-facing product decisions, and has a track record of turning creative briefs into robust, production-ready systems. Based in Watford, he brings entrepreneurial drive and practical security- and compliance-minded engineering to fintech.
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