From the info you’ve provided I’d consider NUS and NTU reasonable reaches and SMU on-par. While your GMAT is a bit below average for SMU, your work experience appears very strong, and your academics sound. Moreover, the ongoing NGO from college days is a plus. Finally, these schools are not yet at gender parity, so being female is slight plus.
The one caveat is that my assessment assumes you have some quant courses in your undergrad, and your performance in those courses was good. If not, I would downgrade my assessment a bit.
Senior Advisor, Accepted
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