Even with the GPA, I believe from the info you’ve provided that you’re a qualified and viable applicant to the programs you mention. I would change that assessment if the GPA is trending down – but if it’s even or (even better) trending up, that’s OK. It’s a rigorous program and school, which will be noted, of course along with your stellar GMAT.
You don’t discuss your goals, but obviously they’re a key component in the application and should be a logical and meaningful extension of your “story” (even if indirectly, i.e., as career change).
That said, for these programs, being qualified is just step one, the first bar. To gain admission,
your application must differentiate and distinguish you.
It must give the adcom a reason to select you out of other highly accomplished white males in finance! That last point is the key – it’s the mission of your application. Focus on that point as you develop your application.
I do think it makes sense to apply this year in R2, as long as you can do so with excellence -- your absolute best.
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