• Own gross profit, expected credit loss, risk adjusted unit economics, portfolio scaling decisions and credit policy direction. • Be responsible for lead policy, experimentation, analytics, and performance — and be accountable for portfolio outcomes end-to-end. • Design and implement credit policy changes • Quantify impact across FPD, roll rates, NPL, ECL, NPV and GP uplift. • Present before/after impact analysis • Ensure policy governance and documentation standards. • Design and execute A/B and multivariate tests • Ensure statistical validity and bias control • Measure impact beyond FPD — full unit economics view • Scale winning strategies quickly • Terminate underperforming experiments fast. • Deeply understand loan level NPV, user level NPV, Behavioural EIR, discounting logic, lifetime value modelling and risk adjusted CAC impact. • Acquisition risk filters • Limit assignment logic • Pricing bands • Tenure optimisation • Top-up strategy • Collections alignment • Fraud overlays • Model strategy alignment. • Lead and build a high-performance risk/analytics team • Set weekly performance rhythms • Ensure dashboards are decision-grade • Review analysis rigorously • Maintain strong data governance.

• Desenvolver e evoluir aplicações iOS utilizando tecnologias nativas. • Atuar em análise, design técnico, programação, testes e validação de requisitos. • Participar ativamente das Sprints, assumindo itens de desenvolvimento. • Integrar aplicações com APIs RESTful (JSON) e WebServices SOAP. • Garantir qualidade por meio de testes unitários, integração e funcionais. • Apoiar o processo de publicação de aplicativos na Apple Store. • Gerenciar suas entregas, comunicando riscos e impedimentos à equipe.

We believe that communication belongs to everyone. TextNow is redefining how people connect by combining simplicity, intelligence, and accessibility. We’re a team of curious builders using technology to make communication more affordable and powerful for millions of users every day. As a Software Developer - iOS , you won’t just build apps—you’ll shape the systems, architecture, and tooling that make them possible. At TextNow, Members of Technical Staff combine leadership and hands on coding to enable the highest leverage opportunities possible. Being able to operate strategically, as well as diving into the lowest level details is a must. You’ll take technical ownership of key mobile domains and work across mobile, backend, and data to create faster, smarter, more reliable products. As well, AI and automation are at the core of how we build. You’ll use them to accelerate development, improve performance, detect and resolve issues faster, and continuously raise the bar for mobile development excellence. We’re hiring Members of Technical Staff across multiple levels (intermediate/senior/staff+). Whether you’re an experienced developer looking to lead complex systems, or an early-career developer eager to grow, we’ll align your title and scope based on experience and impact. This role is about impact at scale. You’ll shape how TextNow builds and operates its backend systems—using AI and automation to make development faster, decisions smarter, and experiences more seamless for millions of users worldwide. What You'll Do Design, develop, and sustain high-performance iOS applications using Swift, SwiftUI, and Objective-C. Lead architectural modernization and modularization to improve scalability and cross-platform reuse. Define and own the entire lifecycle of your systems: feature ideation, API design, instrumentation, deployment (CI/CD), live-traffic monitoring, unit/UI/e2e testing,  user telemetry & data analysis, experiment design (A/B tests), and continuous iteration. Influence and evolve our architecture: propose and lead initiatives to decompose monoliths, build shared libraries and frameworks, improve modularization, enable reuse across iOS, Android, Web; evaluate new Apple platform capabilities (e.g., new OS releases, device types, form factors, architectures) and lead their adoption. Apply AI-driven tools and automation frameworks to speed up development, code analysis, testing, and reliability. Leverage intelligent telemetry, analytics, and optimization pipelines to improve app performance and user experience. Define observability standards, telemetry pipelines, and fault-tolerance strategies for production-grade systems. Partner closely with product, design, backend, and data teams to deliver seamless, high-quality user experiences. Drive technical discussions, mentor developers, and influence strategic direction across mobile platforms. Who You Are More about TextNow Our culture We’re proud of the culture that we’ve built at TextNow, but one of the most common questions we hear is ‘how do you continue to sustain it as the world and the company continues to change?’ The reality is that we’re only able to keep up because each and every TextNovian contributes to our culture through being involved, by living our values, sharing feedback, embracing change and more! Our values Customer Obsessed We strive to have a deep understanding of our customers. Do Right By Our People We treat each other with fairness, respect, and integrity. Accept the Challenge We adopt a "Yes, We Can" mindset to achieve ambitious goals. Act Like an Owner We treat this company like it's our own... because it is! Give a Damn We are deeply committed and passionate about our work and achieving results. Our benefits and more This is a brief overview of the benefits that TextNow offers its employees. More complete details can be found in TextNow’s Benefit Guide and legal plan documents, which are available to employees on or shortly after their start date with TextNow. The benefits listed herein are for illustrative purposes only and may change from time-to-time in TextNow’s sole discretion. Free phone service Strong work life blend Flexible work arrangements (work-from-home, remote, or access to one of our office spaces) Employee stock options Unlimited vacation 12 paid holidays per year Competitive pay Health, dental, and vision benefits Short-term & long-term disability $750 annual wellness benefit or healthcare spending account 401(K) matching Parental leave for eligible employees Learning & Development opportunities We travel a few times a year for various team events, company-wide off-sites, and more More information about our total rewards package will be available during the hiring process. Dogfooding & Customer Obsession At TextNow, every employee gets to actively use our app for calling and texting. Dogfooding helps us experience what customers do, to spot issues early, and drive better design, developer, and user experiences. Diversity and Inclusion Our aim is to make every person who joins TextNow feel like they belong, that they’re valued, and that they’re able to be their authentic selves at work. We’re all accountable for creating an inclusive culture and a sense of belonging for one another. By doing this together, we’ll make TextNow better for everyone. Equal opportunity We are an equal opportunity employer and are committed to creating an inclusive environment for all employees. We consider all qualified applicants without regard to race, color, religion, sex, gender identity or expression, sexual orientation, age, disability, or any other protected characteristic. Applicants who require reasonable accommodation during the hiring process may contact our Talent Team. TextNow Candidate Policy By submitting an application to TextNow, you agree to the collection, use, and disclosure of your personal information in accordance with the TextNow Candidate Policy

About Iru Iru is the AI-powered security & IT platform used by the world’s fastest-growing companies to secure their users, apps, and devices. Built for the AI era, Iru unifies identity & access, endpoint security & management, and compliance automation—collapsing the stack and giving IT & security time and control back. Iru is backed by some of the smartest investors in tech—General Catalyst, Tiger Global, Felicis, Greycroft, and First Round Capital. In July 2024, Iru raised $100 million from General Catalyst, valuing the company at $850 million. Customers include Notion, Cursor, Lovable, Replit, and Mercor, and Iru partners with industry leaders such as ServiceNow and AWS. Iru was named to Forbes’ America’s Best Startup Employers 2025 list for employee engagement and satisfaction. The Opportunity: We are looking for a Principal Engineer with experience building and shipping enterprise software on the macOS platform. As a Principal Engineer at Iru, you will lead development and innovation with our proprietary macOS agent and suite of applications. Principal Engineers have the opportunity to deliver and define strategic Iru business level objectives and key components of our research and development projects. How You'll Make a Difference Day to Day: Hands on coder with ability to architect and contribute code for new features and proof of concepts Create architectures and high-level designs to meet our strategic objectives that are flexible and enable many options in the future without 100% clarity on what that future is Identify technology and strategic growth opportunities that enable Iru to grow as a business and rally the organization behind these choices by providing clear rationale and technical vision. Become an authority on the technologies of your team with the ability to answer questions to guide other developers and inform business management Collaborate cross functionally with distributed teams; much of our workforce is remote Work closely with engineering counterparts on other projects to ensure consistent architecture and product alignment Help drive quality by working with teams to promote modularized code that is testable, performant, and easy to maintain with multi-staged validation plans Design and deliver systems that require research on what is 'possible' rather than simply relying on past experience We’d love to hear from you if you have: Experience with complex concurrency management using OperationQueue and Grand Central Dispatch. Experienced macOS developer with a clear understanding of the differences between macOS and other Apple platforms, such as iOS, with a deep understanding of technologies specific to macOS. Highly familiar with AppKit, Foundation, Core Graphics, Core Animation and other relevant frameworks. Strong technical communication skills that will enable you to collaborate effectively with peers and leadership Passion to dig in and lead the development of ground-breaking features and products Expertise developing native applications for macOS (Swift, Objective-C, C++) Deep understanding of operating system fundamentals, Cocoa design patterns, protocol-oriented programming, internals such as kernel mode and user mode, device drivers, filesystems, networking concepts, process and application management, security and access control Familiarity with network applications security and secure coding practices with ability to understand and assess client-side network and API code Experience working in Agile software development team and familiarity with build processes and best dev practices such as TDD / CI / CD Understanding of authentication protocols in the macOS enterprise system (e.g. enterprise connect) Nice to haves, but NOT required: Excellent presentation skills with ability to deliver messages around ideas and effectively present them to both the executive team and broader engineering team alike 5+ years of expertise in Swift and advanced features of the language Experience writing BSD libraries and other low level macOS technologies Knowledge of System and Network extension technologies Experience in the enterprise security space Experience with managing a large fleet of Apple devices in an Enterprise environment (Mac admin) is a plus Mastery of MacOS/Mach/BSD module, driver, and kernel extensions Ability to say “I don’t know, but will find out” with the confidence in your abilities to deliver that unknown answer Benefits & Perks • Competitive salary • 100% individual and dependent medical + dental + vision coverage • 401(K) with 4% company match • 20 days PTO • Iru Wellness Week the first week in July • Equity for full-time employees • Up to 16 weeks of paid leave for new parents • Paid Family and Medical Leave • Exciting opportunities for career growth We are excited to be serving a significant need for a fast-growing market, and are proud of the high-performing team we have brought together so far. If you’re someone who wants to engage in new, exciting projects that will challenge your skills in the best way possible, we would love to connect with you. At Iru, we believe in fostering an inclusive environment in which employees feel encouraged to share their unique perspectives, leverage their strengths, and act authentically. We know that diverse teams are strong teams, and welcome those from all backgrounds and varying experiences. Iru is proud to be an equal opportunity employer committed to diversity and inclusion in the workplace. Qualified applicants will be considered for employment without regard to race, color, religion, national origin, age, sex, sexual orientation, gender identity, physical or mental disability, protected veteran or military status or any other status protected by applicable law. #LI-Remote