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Q4 2019 Oportun Financial Corp Earnings Call Transcript
Good afternoon, and welcome to Oportun Financial Corporation's Fourth Quarter and Full Year 2019 Earnings Conference Call. (Operator Instructions) Today's call is being recorded.
For opening remarks and introductions, I'd like to turn the call over to Nils Erdmann, Vice President of Investor Relations. Mr. Erdmann, you may begin.
Thanks, and good afternoon, everyone. Joining me today to discuss Oportun's Fourth quarter and Full Year 2019 Results are Raul Vazquez, Chief Executive Officer; and Jonathan Coblentz, Chief Financial Officer and Chief Administrative Officer.
Before we get started, let me remind you that some of the remarks made today will include forward-looking statements. Actual results may differ materially from those contemplated or implied by these forward statements. A more detailed discussion of the risk factors that could cause these results to differ materially are set forth in today's earnings press release. Any forward-looking statements that we make on this call are
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