The silent transformation that changed the way we decide at Carrefour Financial Solutions

The challenge of planning in an increasingly complex financial environment

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In the financial sector, planning ceased to be a static exercise and became a critical process of anticipation, precision and control. For Carrefour Financial Solutions, the FP&A function played a central role in revenue projection, portfolio management, the development of the DRE and direct support for strategic business decision-making.

However, the increasing complexity of the business — new products, multiple units, banking regulations and a highly dynamic environment — exposed the limitations of the traditional model based on Excel spreadsheets. The process required numerous manual adjustments, posed risks of file breakage, generated distrust in projections and required excessive effort in operational tasks such as preparing reports. In addition, the low flexibility of the model made it difficult to incorporate new products or changes in the business structure, affecting coordination between the people involved in the FP&A process.

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The need to integrate, scale and gain agility in FP&A

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Faced with this scenario, Carrefour Financial Solutions needed to transform its way of planning. The objective was clear: to drastically reduce the delivery times of projections, improve the reliability of the indicators and have a platform capable of executing complex calculations for all business units quickly and consistently.

The company sought to integrate financial planning processes into a single environment, from the projection of key indicators to the consolidation of the DRE, balance sheet and cash flow. It was essential to combine business rules with statistical models, enable scenario simulation and strengthen collaboration between areas, ensuring traceability, version control and a single version of the truth. To achieve this, a flexible, scalable solution prepared to accompany the growth of the financial business was needed.

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How Pyplan promoted a new way of planning the business

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The transformation was achieved through the implementation of a Financial Platform (FP&A) developed on Pyplan, tailored to the processes of Carrefour Financial Solutions. The solution integrated into a unified model the projection of financial indicators, the construction of the revenue recipe, the projection of expenses, the risk analysis, the cost of funding and the complete consolidation of the DRE, the balance sheet and the cashflow.

Thanks to the flexibility of Pyplan, a multidimensional model was built capable of combining business rules with statistical methodologies, allowing us to project with a horizon of up to five years and to update scenarios in an agile manner. The platform facilitated collaboration between multiple areas, dramatically reduced manual work and enabled the generation of “what if” scenarios in real time to evaluate alternatives before deciding.

The use of advanced analytical capabilities and automation allowed us to move from a reactive approach, based on constant adjustments, to a predictive and prescriptive approach, where teams spend more time analyzing and generating value. As a result, Carrefour Financial Solutions managed to reduce the operational time of the planning process by up to 50%, improve the quality of decisions and strengthen the strategic role of the FP&A area within the organization, consolidating more robust, reliable and future-proof financial planning.

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Discover how Pyplan can transform your financial planning into an intelligent, integrated process oriented to high-impact decisions.
Talk to a specialist and learn about our solutions:
👉 https://pyplan.com/es/entre-en-contacto/

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