Jency John | executive |
Gal Krubiner | executive |
Sanjiv Das | executive |
Evangelos Perros | executive |
Joseph Vafi | analyst |
Michael Legg | analyst |
David Scharf | analyst |
John Hecht | analyst |
Harold Goetsch | analyst |
Greetings, and welcome to the Pagaya Q4 2023 Earnings Call. [Operator Instructions].
As a reminder, this conference is being recorded. It is now my pleasure to introduce your host, Jency John. Thank you.