Dorian Hare | executive |
Raul Vazquez | executive |
Jonathan Coblentz | executive |
Steven Kwok | analyst |
John Hecht | analyst |
Harold Goetsch | analyst |
Melissa Wedel | analyst |
Welcome to Oportun's Financial Corporation's Fourth Quarter 2023 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 Dorian Hare, Senior Vice President of Investor Relations. Mr. Hare, you may begin.