Nils Erdmann | VP, IR |
Raul Vazquez | CEO |
Jonathan Coblentz | CFO, CAO |
Sanjay Sakhrani | KBW |
Rick Shane | JPMorgan |
John Hecht | Jefferies |
Greetings! Welcome to the Oportun Third Quarter 2019 Earnings Conference Call. At this time all participants are in a listen-only mode. A question and answer session will follow the formal presentation. [Operator Instructions] Please note this conference is being recorded.
I will now turn the conference over to your host, Nils Erdmann, VP of investor Relations.