your ugpa is kind of low. but your experience is indeed good. you will need a good gmat to prove that your poor ugpa is due to your youth.
too many chinese IT people want to get in IB now. I guess it is because of the salary number people heard from their friends. Guess what, it makes it extremely hard for everyone.
your best bet is to go for schools in New york. Columbia and NYU will be good if you can make it.
I thought GPA is less important for those with 4 yrs working experience. And my major in college has nothing to do with IT or Finance, it's physics. In this case, the gpa really matters?
Why do you recommend NY based Univ.? Because it's near to WS and easy to get a job there?