Enova International, Inc. (NYSE:ENVA) Q4 2022 Earnings Conference Call February 1, 2023 5:00 PM ET Lindsay Savarese - Investor Relations David Fisher - Chief Executive Officer Steven Cunningham - Chief Financial Officer David Scharf - JMP John Hecht - Jefferies John Rowan - Janney Vincent Caintic - Stephens Good day and welcome to the Enova International Fourth Quarter and Full Year 2022 Earnings Conference Call. [Operator Instructions] Please note, this event is being recorded. Lindsay Savarese And with th ...