Yiren Digital Ltd. (NYSE:YRD) Q3 2019 Earnings Conference Call November 14, 2019 7:00 PM ET Company Participants Lydia Yu - IR Ning Tang - CEO, Yirendai, Founder, Chairman and CEO, CreditEase Dennis Cong - SVP of Corporate Business Development Conference Call Participants John Cai - Morgan Stanley Eddie Zhou - Credit Suisse Alex Ye - UBS Operator Ladies and gentlemen, thank you for standing by and welcome to Yiren Digital Third Quarter 2019 Earnings Conference Call. [Operator Instructions] I will now hand o ...