What was the situation?
FLOA, the split-payment and consumer-credit specialist acquired by BNP Paribas Personal Finance, operates a data-intensive business — scoring, fraud, payment orchestration and partner reporting — where the quality of the estate is the quality of the credit decision. The mandate called for an executive seat, not a project.
What did ARCHITEKT do?
Erwan Deschamps holds the Chief Data & AI Officer seat in interim management. The mandate covers the data and AI strategy, the target platform on Snowflake with Dataiku for modelling and MLOps, data-quality contracts and observability with Soda, and graph modelling with Neo4j for entity resolution across customers, merchants and payment flows — together with the governance, the operating model and the AI use-case portfolio that sit above them.
What changed, measurably?
A single executive owner for data and AI inside a regulated consumer-finance business: one platform decision, one quality gate, one governed path from raw payment data to a model in production, with the graph layer making relationships between customers, merchants and transactions explicit rather than inferred.
An executive data and AI seat inside BNP Paribas' consumer-finance arm, held in interim management: strategy, platform, quality and the AI portfolio under one accountable owner.
Why a seat rather than a programme?
In consumer finance the data estate is the decision engine. Scoring, fraud and partner reporting all resolve to the same question — is this number defensible? A seat answers it with authority; a programme only recommends. The mandate is held as Chief Data & AI Officer, on the executive line, with the platform, the quality contracts and the model portfolio in the same hands.
What the estate is built on
Snowflake carries the platform, Dataiku carries modelling and the path to production, Soda carries the data-quality contracts and observability so a broken pipeline surfaces before a decision does, and Neo4j carries the graph layer used for entity resolution across customers, merchants and payment flows. The stack is the mechanism; governed, defensible decisions are the outcome.