Oper Credits logo — Maker of Herman, the AI credit analyst for European mortgage...

Oper Credits

Maker of Herman, the AI credit analyst for European mortgage lenders.

Founded 2018 Belgium Belgium 33 employees Series A Total: $14.45M Fintech, Banking

General Information

Company Name Oper Credits
Founded Year 2018
Location Belgium Belgium
Founders / Decision Makers
Team member Team member
Employees 33
Industries Fintech, Banking
Funding Stage Series A
Business Model B2B, SaaS, White Label
Revenue Model Subscription, Service Fee, Usage Based
Hiring 8 roles posted in the month to 3 Sep 2026
Offices as of Sep 2026
Antwerp, Belgium Stadtkreis 5 Industriequartier, Switzerland
Social

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Recorded by Bounce Watch from public sources. Every entry below carries the date we observed it, and when we have not looked recently the page says so rather than leaving silence to imply nothing happened.

Award Received Sep 16, 2026

Oper and Herman AI are featured in Sifted's new report on AI adoption in Europe, which highlights them in a chapter where AI adoption is actually happening.

Major Customer Win Sep 16, 2026

Oper's Herman AI supports around EUR 500m of Creafin NV's annual business, demonstrating its significant impact on a major customer.

Homepage Update

Significant changes detected on company website (74.6% content change).

New Partnership Sep 03, 2026

Oper Credits and Austria's Volksbank Group are starting a partnership to digitize residential mortgage lending across Austria.

Growth Metrics Sep 03, 2026

Oper Credits currently digitizes residential mortgage lending for more than 20 lenders across Europe.

AI Insight

Bounce Watch AI
4 weeks ago

Oper Credits is demonstrating significant market traction and strategic expansion, underscored by its new partnership with Austria's Volksbank Group and now serving over 20 lenders across Europe. This robust growth, combined with an active hiring push and prominent industry event participation, signals a strong scaling phase for their AI-driven mortgage automation solutions.

Signal Types
Partnership Traction Hiring Marketing
Strategic Labels
European Expansion Market Validation SaaS Scaling
Next Move: Fundraising
·
Impact: 9/10
·
Ideal For: Fintech Growth VCs — Series B

About Oper Credits

Oper Credits, founded in 2018, is making waves in the Fintech and Banking industries with its AI-driven solution, Herman, tailored for European mortgage lenders. With the compelling slogan, "Maker of Herman, the AI credit analyst for European mortgage lenders," the company addresses crucial pain points in the mortgage process.

By automating the manual and often tedious tasks such as document classification and data verification, Herman increases efficiency and reliability, all while ensuring decision-making power remains with human teams. This solution is designed under the EU AI Act’s human-in-the-loop framework and integrates seamlessly with existing systems without necessitating an overhaul.

Currently operational in Belgium and the DACH region, Oper Credits is supported by major lenders. The company's credibility is reinforced by a €11.00M Series A investment from top investors like Bessemer Venture Partners and Pitchdrive. Headquartered in Belgium, Oper Credits is on a promising trajectory, endorsed by a roster of leading B2B SaaS investors.

Taxonomy: AI Credit Analyst, Document Classification, Data Verification, Credit Policy Automation, Loan Origination, Human-in-the-Loop AI, Digital Mortgages, Mortgage Automation, Underwriting Automation, Fintech Integration, B2B SaaS Solutions, Credit Decisioning, Mortgage Technology, Digital Lending, AI for Lenders

Services & Products

Herman AI credit analyst
Origination platform
Document classification and verification
AI-driven decision readiness

Target Customers

mortgage lenders financial institutions European regulated lenders loan origination professionals

Funding Rounds & Investors (6)

View All
Funding Stage Amount Investors Lead Investors Date
Series A €11.00M 6
Bessemer Venture Partners, Pitchdrive +4
01 Jul 2022
Convertible Note €500.00K 2
Verve Ventures, Constructive Venture Fund
01 Mar 2021
Seed €1.95M -
01 Nov 2020
Seed €500.00K 1
Boris Bogaert
01 Jul 2020
Angel €500.00K 3
Pitchdrive, Techstars +1
01 Jan 2020
Round Undisclosed 1
Tenity
01 Nov 2018

Oper Credits Alternatives & Competitors

View All Alternatives
Oper Credits vs
Prestatech
Prestatech Germany

We read the heartbeat of borrowers, so banks can lend and monitor risk with confidence.

34 employees
Fintech, Information Technology
Oper Credits vs

Y

Acquired
9 employees
Finance, Financial Services
Oper Credits vs
Mambu
Mambu The Netherlands

The SaaS cloud banking platform with a unique composable approach.

Series E
759 employees
Financial Services, Fintech

FAQ About Oper Credits

Maker of Herman, the AI credit analyst for European mortgage lenders.
Oper Credits was founded in 2018.
Oper Credits is headquartered in Belgium. As of Sep 2026, it also has offices in Antwerp, Belgium and Stadtkreis 5 Industriequartier, Switzerland.
Oper Credits operates in Fintech and Banking. Its work centres on AI Credit Analyst, Document Classification, Data Verification and Credit Policy Automation. Its customers include mortgage lenders, financial institutions and European regulated lenders.
Oper Credits has a B2B, SaaS and White Label business model. Its revenue comes from Subscription, Service Fee and Usage Based.
Oper Credits has approximately 33 employees.
Oper Credits has completed 6 funding rounds, raising a total of $14.45M. The latest funding stage is Series A.
Oper Credits offers: Herman AI credit analyst, Origination platform, Document classification and verification, AI-driven decision readiness.
Top alternatives and competitors to Oper Credits include Prestatech, PrestaCap (exit to DEPObank), Mambu, Vector ML Analytics, Atto. These companies operate in related industries and serve comparable markets. You can compare them side by side on Bounce Watch.
Oper Credits and Prestatech are both companies in similar industries. Compare their funding, team size, growth signals, and market position on Bounce Watch to see which one fits your needs.

Source: BounceWatch company record for Oper Credits, https://bouncewatch.com/company/oper-credits, updated 5 September 2026. When citing, please name BounceWatch and link this page.

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