Nils Erdmann | VP, IR |
Raul Vazquez | CEO |
Jonathan Coblentz | CFO & CAO |
Mark DeVries | Barclays |
John Hecht | Jefferies |
Rick Shane | JPMorgan |
Good afternoon, and welcome to the Oportun Financial Corporation Second Quarter 2020 Earnings Conference Call. [Operator Instructions] Today's call is being recorded.
For opening remarks and introductions, I would like to turn the call over to Nils Erdmann, Vice President, Investor Relations. Mr. Erdmann, you may begin.