Bruce Thomas | VP, IR |
Ashish Masih | President and CEO |
Jonathan Clark | EVP and Chief Financial Officer |
Craig Buick | CEO, Cabot Credit Management Group |
Ryan Bell | President, Midland Credit Management |
David Scharf | JMP Securities |
Mark Hughes | Truist |
Mike Grondahl | Northland Capital Markets |
Robert Dodd | Raymond James |
Good day and thank you for standing by. Welcome to the Encore Capital Group Conference Call. [Operator Instructions] Please keep in mind that today's conference is being recorded.
I would now like to hand the conference over to your speaker, Bruce Thomas, VP of Global Investor Relations. Please go ahead.