Dorian Hare | Vice President-Investor Relations |
Raul Vazquez | Chief Executive Officer |
Jonathan Coblentz | Chief Financial Officer and Chief Administrative Officer |
Sanjay Sakhrani | KBW |
Matthew Hurwit | Jefferies |
Rick Shane | JPMorgan |
Hal Goetsch | Loop Capital Markets |
David Scharf | JMP Securities |
Hello and welcome to the Oportun Financial Fourth Quarter 2022 Earnings Conference Call and Webcast. [Operator Instructions] A question-and-answer session will follow the formal presentation.
As a reminder, this conference is being recorded.
It's now my pleasure to turn the call over to Dorian Hare, Vice President of Investor Relations. Please go ahead, Dorian.