Nils Erdmann | VP, IR |
Raul Vazquez | CEO |
Jonathan Coblentz | CFO, CAO |
Mark DeVries | Barclays |
Sanjay Sakhrani | KBW |
John Hecht | Jefferies |
Rick Shane | JPMorgan |
David Scharf | JMP Securities |
Good afternoon, and welcome to Oportun Financial Corporation's Fourth Quarter and Full Year 2019 Earnings Conference Call. [Operator instructions] Today's call is being recorded.
For opening remarks and introductions, I'd like to turn the call over to Nils Erdmann, Vice President of Investor Relations. Mr. Erdmann, you may begin.