[NEW REPORT] The LOSt cause

Transforming mortgage operations, one file at a time

Our mission

Financing a dream home should be a delightful journey. Yet, the current mortgage process often feels long, stressful, and inefficient. We want to transform that! With Oper, future homebuyers can apply for their loans seamlessly and lenders can manage the whole process with ease and transparency.

Do you want to help us build the future of mortgages?
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Our story

It all started when Geert and Wouter saw first-hand how much time lenders lose to manual work, fragmented systems, and inconsistent decisioning in mortgage operations. They set out to tackle the problem with a technology-first approach, building agentic AI that can take on repetitive operational work end-to-end.

Having taken mortgage loans themselves, they understood the borrower impact as well as the operational pain inside the bank. Based in Antwerp, they founded Oper with a clear goal: help European lenders deliver faster decisions and a better mortgage experience — by putting reliable AI agents like Herman to work within existing workflows.

Company timeline

2018
Started working on the idea
2019
F10 accelerator
Incorporation
First lender clients
2020
Techstars
Seed round
Go-live first Austrian client
Pre-seed round
2021
Go-live first Swiss client
2022
Series A funding with Bessemer and Motive Ventures
2023
Available in 6 countries
Launched Hyponation in Czechia

2024

Expanded deployments with new lenders across Europe

2025

Recognised as Sifted 100 and Deloitte Fast 50
Welcomed PMV to our investor base

2026

Scaled Agentic AI as a core growth driver, converting early traction into enterprise-ready rollouts for lenders

Transforming  how people finance their homes 

Audacity
Resilience
Together

Our values

Now Oper operates semi-remotely with offices in Antwerp and Zürich, and our team spans across Europe.

We unite talent passionate about growth and challenging the status quo. We foster a culture of innovation, knowledge sharing, and open communication while making sure to foster personal relationships and keeping a work-life balance. If you thrive in a challenging, supportive, and fun environment, then Oper is the place for you.

Oper Team

Geert Van Kerckhoven
CEO and Co-founder
Wouter Lachat
Head of CS and Co-Founder
Charlotte Mast
Chief Operating Officer
Christine Hick
Head of Growth
Gerben De Graaf
Chief Technology Officer
Sumit Tada
Head of Engineering
Stephanie Ng-Fragner
General Counsel
Iuliana Burdun
Product Manager
Mark Van der Jonckheyd
Onboarding Lead
Cédric Van Heybeeck
Finance & Accounting Manager
Achim Arnold
Account Executive
Adrien Fathy Ali Angelo
Customer Success Engineer
Jeroen Unger
Partnerships Manager
Mathias Schrooten
AI Engineer
Phillip Kersten
AI Engineer

Join the FinTech Revolution

Are you ready to join a great team and revolutionise the mortgage industry with us? We are always looking for great talent!

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Contact us

Do you have any questions? We'd love to hear from you. Use the form or contact us directly via sales@opercredits.com

Our offices

Oper Credits BV

Lange Gasthuisstraat 29/31
2000 Antwerpen
Belgium
Oper Credits AG
Josefstrasse 219

8005 Zürich, Switzerland
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