Jason Schmidt | Vice President of Investor Relations |
Dave Girouard | Chief Executive Officer |
Sanjay Datta | Chief Financial Officer |
Simon Clinch | Atlantic Equities |
Pete Christiansen | Citi |
Arvind Ramnani | Piper Sandler |
Ramsey El-Assal | Barclays |
Andrew Boone | JMP Securities |
Mike Ng | Goldman Sachs |
James Faucette | Morgan Stanley |
John Hecht | Jefferies |
Nat Schindler | Bank of America |
Good day, and welcome to the Upstart Q4 FY 2021 Earnings Call. Today's conference is being recorded. At this time, I would like to turn the conference over to Jason Schmidt, VP of Investor Relations. Please, go ahead, sir.
Good afternoon, and thank you for joining us on today's conference call to discuss Upstart's fourth quarter and full year 2021 financial results.