Jason Schmidt | Vice President, Investor Relations |
David Girouard | Co-Founder & CEO |
Sanjay Datta | CFO |
Peter Christiansen | Citigroup |
David Scharf | JMP Securities |
Simon Clinch | Atlantic Equities |
Robert Wildhack | Autonomous research |
Michael Ng | Goldman Sachs |
Sandy Beatty | Morgan Stanley |
John Hecht | Jefferies LLC |
Hal Goetsch | Loop Capital |
Arvind Ramnani | Piper Sandler |
Dan Dolev | Mizuho Securities |
Vincent Caintic | Stephens |
Good day, and welcome to the Upstart Fourth Quarter 2022 Earnings Call. Today's conference is being recorded. At this time, I would like to turn the conference over to Jason Schmidt, Head of Investor Relations. Please go ahead.
Good afternoon, and thank you for joining us on today's conference call to discuss Upstart's fourth quarter and full year 2022 financial results.