--- title: About Oper Credits | AI for European mortgage lending description: "Founded in Antwerp, built for European lenders: the team behind Herman, the AI credit analyst. Our story, our investors, and what we build." image: https://www.opercredits.com/hubfs/oper-team-collage-3x2.jpg --- [Skip to the main content.](https://www.opercredits.com/about-us#main-content) [From 3 Days to 3 Minutes: How banks integrate AI into existing credit processes → Download new whitepaper](https://www.opercredits.com/whitepaper-from-3-days-to-3-minutes-ai-in-credit-processes?hsLang=en) [![Oper Credits logo blue](https://www.opercredits.com/hs-fs/hubfs/20260714_Oper%20Credits%20logo%20blue%20transparent.png?width=588&height=164&name=20260714_Oper%20Credits%20logo%20blue%20transparent.png "Oper Credits logo blue")](https://opercredits.com?hsLang=en) [![Oper Credits logo blue](https://www.opercredits.com/hs-fs/hubfs/20260714_Oper%20Credits%20logo%20blue%20transparent.png?width=588&height=164&name=20260714_Oper%20Credits%20logo%20blue%20transparent.png "Oper Credits logo blue")](https://opercredits.com?hsLang=en) - Products - [Herman](https://www.opercredits.com/herman-ai) - [Origination Platform](https://www.opercredits.com/origination-platform) - [Use Cases](https://www.opercredits.com/use-cases) - [Customers](https://www.opercredits.com/case-studies) - [Compliance](https://www.opercredits.com/compliance) - Resources - [Blog](https://www.opercredits.com/blog) - [Reports](https://www.opercredits.com/reports) - [Webinars](https://www.opercredits.com/webinars) - Company - [About](https://www.opercredits.com/about-us) - [Careers](https://www.opercredits.com/careers) - [Partners](https://www.opercredits.com/partners) - [Contact](https://www.opercredits.com/contact) - [English](https://www.opercredits.com/about-us) - [Deutsch](https://www.opercredits.com/de/about-us) [Book a demo](https://www.opercredits.com/contact?hsLang=en) Toggle Menu - [English](https://www.opercredits.com/about-us) - [Deutsch](https://www.opercredits.com/de/about-us) Toggle Menu [Book a demo](https://www.opercredits.com/contact?hsLang=en) - Products - [Herman](https://www.opercredits.com/herman-ai) - [Origination Platform](https://www.opercredits.com/origination-platform) - [Use Cases](https://www.opercredits.com/use-cases) - [Customers](https://www.opercredits.com/case-studies) - [Compliance](https://www.opercredits.com/compliance) - Resources - [Blog](https://www.opercredits.com/blog) - [Reports](https://www.opercredits.com/reports) - [Webinars](https://www.opercredits.com/webinars) - Company - [About](https://www.opercredits.com/about-us) - [Careers](https://www.opercredits.com/careers) - [Partners](https://www.opercredits.com/partners) - [Contact](https://www.opercredits.com/contact) ###### About Oper # Transforming mortgage operations one file at a time Founded in Belgium. Built for European lenders. Home of Herman, the AI credit analyst. [Book a demo](https://www.opercredits.com/contact?hsLang=en) [Explore careers](https://www.opercredits.com/careers?hsLang=en) ![oper-team-collage-3x2](https://www.opercredits.com/hs-fs/hubfs/oper-team-collage-3x2.jpg?width=1800&height=1200&name=oper-team-collage-3x2.jpg) ###### Backed by leading investors ![Bessemer\_Logo](https://www.opercredits.com/hs-fs/hubfs/Bessemer_Logo.jpg?width=1590&height=684&name=Bessemer_Logo.jpg) ![motive ventures](https://www.opercredits.com/hs-fs/hubfs/motive%20ventures.png?width=256&height=256&name=motive%20ventures.png) ![Runa-capital-logo](https://www.opercredits.com/hs-fs/hubfs/Runa-capital-logo.png?width=250&height=80&name=Runa-capital-logo.png) ![verve ventures](https://www.opercredits.com/hs-fs/hubfs/verve%20ventures.png?width=1372&height=600&name=verve%20ventures.png) ![pitchdrive](https://www.opercredits.com/hs-fs/hubfs/pitchdrive.png?width=1200&height=457&name=pitchdrive.png) ![LP\_071](https://www.opercredits.com/hs-fs/hubfs/LP_071.jpg?width=2000&name=LP_071.jpg) ### 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 - ![waves-thumb](https://507386.fs1.hubspotusercontent-na1.net/hubfs/507386/waves-thumb.jpg) Play Pause 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 ##### Resilience ##### Together ##### Explore careers → ### Meet the management team ![Geert Square Rounded](https://www.opercredits.com/hubfs/Geert%20Square%20Rounded.png) ##### Geert Van Kerckhoven CEO & Co-founder [*Linkedin*](https://www.linkedin.com/in/geertvankerckhoven/) ![Wouter Square Rounded](https://www.opercredits.com/hubfs/Wouter%20Square%20Rounded.png) ##### Wouter Lachat Co-founder & Head of Customer Success [*Linkedin*](https://www.linkedin.com/in/geertvankerckhoven/) ![charlottemast](https://www.opercredits.com/hubfs/charlottemast.jpeg) ##### Charlotte Mast Chief Operating Officer [*Linkedin*](https://www.linkedin.com/in/geertvankerckhoven/) ![gerbendegraaf](https://www.opercredits.com/hubfs/gerbendegraaf.jpeg) ##### Gerben de Graaf Chief Technology Officer [*Linkedin*](https://www.linkedin.com/in/geertvankerckhoven/) ![Christine profile pic rounded corner](https://www.opercredits.com/hubfs/Christine%20profile%20pic%20rounded%20corner.png) ##### Christine Hick Head of Growth [*Linkedin*](https://www.linkedin.com/in/geertvankerckhoven/) Contact us ## The best introduction is a working case Book a free 20-minute walkthrough, then a backtest on your document types. [Book a demo](https://www.opercredits.com/contact?hsLang=en) [![big\_logotype-1](https://www.opercredits.com/hubfs/big_logotype-1.png)](https://www.opercredits.com/?hsLang=en) [Linkedin](https://www.linkedin.com/company/opercredits/)[YouTube](https://www.youtube.com/@OperCredits) Products Products - [Herman](https://www.opercredits.com/herman-ai) - [Use Cases](https://www.opercredits.com/use-cases) - [Customers](https://www.opercredits.com/case-studies) - [Compliance](https://www.opercredits.com/compliance) - [Origination Platform](https://www.opercredits.com/origination-platform) Resources Resources - [Blog](https://www.opercredits.com/blog) - [Reports](https://www.opercredits.com/reports) - [Webinar](https://www.opercredits.com/webinars) Company Company - [About](https://www.opercredits.com/about-us) - [Careers](https://www.opercredits.com/careers) - [Partners](https://www.opercredits.com/partners) - [Contact](https://www.opercredits.com/contact) - [Privacy Policy](https://www.opercredits.com/privacy-policy) - [Cookie Policy](https://www.opercredits.com/cookie-policy) - [Terms of Use](https://www.opercredits.com/terms-of-use) - [Legal Notice](https://www.opercredits.com/legal-notice) - [Data Processors](https://www.opercredits.com/data-processors) - [Reporting a Security Issue](https://www.opercredits.com/reporting-a-security-issue) © 2026 Oper Credits ```json { "@context" : "https://schema.org", "@id" : "https://www.opercredits.com/#organization", "@type" : "Organization", "address" : { "@type" : "PostalAddress", "addressCountry" : "BE", "addressLocality" : "Antwerp", "postalCode" : "2000", "streetAddress" : "Lange Gasthuisstraat 29" }, "description" : "Oper Credits builds Herman, the AI credit analyst for mortgage lending at regulated European banks and lenders.", "founder" : [ { "@type" : "Person", "name" : "Geert Van Kerckhoven", "sameAs" : "https://www.linkedin.com/in/geertvankerckhoven" }, { "@type" : "Person", "name" : "Wouter Lachat" } ], "foundingDate" : "2018", "legalName" : "Oper Credits BV", "logo" : "https://www.opercredits.com/hubfs/20260714_Oper%20Credits%20logo%20blue%20transparent.png", "name" : "Oper Credits", "sameAs" : [ "https://www.linkedin.com/company/opercredits/", "https://www.youtube.com/@OperCredits", "https://www.crunchbase.com/organization/oper-781f" ], "url" : "https://www.opercredits.com", "vatID" : "BE0719676454" } ```