Toby Hirsch

Toby Hirsch is the co-founder and CEO of Lucible, a financial technology startup based in San Francisco, California. Founded in 2024, the company operates with a two-person team to develop a combined checking and investment account that enables real-time collateralized spending. Under his leadership, Lucible participated in the Y Combinator Summer 2024 accelerator batch to scale its capital-efficient personal finance tools. Before launching his current venture, Hirsch worked as a quantitative trader at Jane Street, where he developed and executed complex algorithmic trading strategies. He previously graduated from the Jerome Fisher Program in Management and Technology at the University of Pennsylvania, earning dual degrees in computer science and statistics. His professional background bridges institutional quantitative finance and software engineering, with a current focus on building integrated wealth management and banking platforms for retail investors.