Yirendai Ltd (NYSE:YRD) Q4 2018 Earnings Conference Call March 25, 2019 7:00 AM ET Company Participants Lydia Yu - Director of Investor Relations Ning Tang - Founder, Chairman, and Chief Executive Officer of CreditEase and Chairman of the Yirendai Yihan Fang - Chief Executive Officer Dennis Cong - Chief Financial Officer Huan Chen - Board of Directors Joanne Liu - Vice President of Finance Conference Call Participants John Cai - Morgan Stanley Jacky Zuo - Deutsche Bank AG. Xiaoxiong Ye - UBS Securities (Asi ...