Oportun Financial Corporation (NASDAQ:OPRT) Q4 2021 Results Conference Call February 24, 2022 5:00 PM ET Company Participants Nils Erdmann - VP, IR Raul Vazquez - CEO Jonathan Coblentz - CFO and CAO Conference Call Participants Sanjay Sakhrani - KBW Rick Shane - JP Morgan John Hecht - Jefferies Operator Welcome to Oportun Financial Corporation’s Fourth Quarter 2021 Earnings Conference Call. [Operator Instructions] Today’s call is being recorded. For opening remarks and introductions, I’d like to turn the ca ...