Oportun Financial Corporation (NASDAQ:OPRT) Q4 2020 Results Conference Call February 18, 2021 5:00 PM ET Company Participants Nils Erdmann - VP, IR Raul Vazquez - CEO Jonathan Coblentz - CFO and CAO Conference Call Participants Sanjay Sakhrani - KBW Mark DeVries - Barclays David Scharf - JMP Securities Rick Shane - JP Morgan John Hecht - Jefferies Operator Greetings, and welcome to the Oportun Financial Corporation Fourth Quarter 2020 Earnings Conference Call. [Operator Instructions] As a reminder, this con ...