Enova International Inc at Credit Suisse Financial Services Forum Transcript

Feb 17, 2022 / 06:00PM GMT
Moshe Ari Orenbuch - Crédit Suisse AG - Research Division - MD and Equity Research Analyst

Good afternoon, everyone. Thanks for joining us. We're here with the management of Enova. Enova is a leading nonprime consumer and small business lender. I would say one of the more interesting companies that we've met with over the years, in particular, having recently made a significant acquisition in the small business space.

Steve Cunningham is their Chief Financial Officer, came to the company from -- in 2016 from Discover where he was the Chief Risk Officer and had been the Treasurer. He had a number of other positions and actually had been the Chief Financial Officer for Capital One's Auto Finance and Banking segments in the prior life.

And so Steve, welcome. Really glad to have you here. Let's start on the consumer side. Maybe talk a little bit about what you're seeing from the current -- from the consumer on a current basis in terms of demand, credit quality. Can you talk about that a little bit, and then we'll try to get to the small business side as well.

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