Okay my friend, you have a tough profile here, but you could definitely give it a shot to Top 15-20 programs, and thank s to your GMAT have a good chance of getting in! The tricky thing for you will be your story. (and your GPA, but like you wrote, that’s already over, so no need to worry about that (even if you should explain it), plus you did the vest thing you could be getting a 770). So your story – right now its all over the place, you start off in physics, work in software and want to move to finance. If I were on the AdCom, this would seem a bit messy to me. What about all your physics studies? What about your years of experience in computing? Where and how will you take advantage of this experience? The thing is that from the point of view of the Adcom you maybe aren’t the best candidate for finance, they are gonna have LOADS of Chinese applicants who want to move on in finance and who already have years of experience, and by declaring such goals you might be unnecessarily putting yourself at a disadvantage.. so I would reconsider a bit the goals, so that you can strategically choose goals that would increase your chances. hope this helps