Yirendai Ltd (NYSE:YRD) Q1 2019 Earnings Conference Call July 10, 2019 8:00 PM ET Corporate Participants Lydia Yu - Investor Relations Ning Tang - Chief Executive Officer Dennis Cong - Chief Financial Officer Huan Chen - Chief Risk Officer Wei Wang - Chief Executive Officer, Yiren Credit Xiao Shang - Chief Executive Officer, Yiren Wealth Conference Call Participants John Cai - Morgan Stanley May Yan - UBS Stephanie Kwan - Citi Operator Ladies and gentlemen, thank you for standing by and welcome to Yirendai ...