LexinFintech Holdings Ltd. (NASDAQ:LX) Q4 2019 Earnings Conference Call March 24, 2020 7:00 AM ET Company Representatives Jay Xiao - Founder, Chairman, Chief Executive Officer Craig Zeng - Chief Financial Officer Ryan Liu - Chief Risk Officer Stanley Zhou - Senior Financial Director Tony Hung - Senior Director of Capital Markets / Investor Relations Conference Call Participants Jacky Zuo - China Renaissance Lucy Li - Goldman Sachs Sanjay Jain - Aletheia Capital Alex Ye - UBS John Cai - Morgan Stanley Daphne ...