About Oper

Transforming mortgage operations one file at a time

Founded in Belgium. Built for European lenders. Home of Herman, the AI credit analyst.

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Backed by leading investors
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Our story

It all started when Geert and Wouter saw firsthand how much time lenders lose to manual work, fragmented systems, and inconsistent decision-making 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.

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.

Our vision

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    A world where every mortgage decision is fast, transparent, and effortless — for borrowers, brokers, and lenders.
    A world where every mortgage decision is fast, transparent, and effortless — for borrowers, brokers, and lenders.

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 maintain a work-life balance.

If you thrive in a challenging, supportive, and fun environment, then Oper is the place for you.

Audacity
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Meet the management team

Geert Square Rounded
Geert Van Kerckhoven

CEO & Co-founder

Wouter Square Rounded
Wouter Lachat

Co-founder & Head of Customer Success

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Charlotte Mast

Chief Operating Officer

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Gerben de Graaf

Chief Technology Officer

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Christine Hick

Head of Growth

Contact us

The best introduction is a working case

Book a free 20-minute walkthrough, then a backtest on your document types.