Enterprise business intelligence queries span structured warehouses and unstructured document repositories -- modalities with fundamentally different access methods, cost profiles, and correctness semantics. Existing AI-enabled interfaces force users to select the right tool: NL2SQL systems cannot reason over slide decks, and RAG pipelines lack access to live warehouse tables. We present COGNI, a production conversational BI system that treats natural-language analytics as a heterogeneous query processing problem, organized as four architectural layers. First, an indexing layer implements slide-adaptive chunking -- recursive chunking for plain-text slides, hierarchical chunking for structured content such as tables, charts, and key-value blocks - achieving $88.3\%$ on our internal enterprise benchmark. Second, a routing layer built on a LoRA fine-tuned Qwen-2.5-1.5B-Instruct model that produces a dual output - modality decision and complexity assessment at $93.8\%$ accuracy and approximately $7\times$ lower cost than frontier-model. Third, a retrieval layer executes complexity-adaptive pipelines: a self-correcting NL2SQL agent at $93.9\%$ G-Eval, and Recursive Language Models reaching $91.0\%$ on multi-hop synthesis queries. Finally, a caching layer validates query equivalence across multiple dimensions beyond embedding similarity, achieving zero false cache hits and $8.4\times$ latency reduction.

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