Hi, thanks for reaching out. Let me start by saying that you don't need work experience for MFin programs the same way you do for MBA programs because they are not designed the same way. An MBA is a midstream degree designed to help people from a variety of industries and in a variety of functions progress as managers and leaders. It's about climbing a rung and bringing an entire management toolkit to a professional position. An MFin is about mastering a subject and ramping up technical skills. It can obviously be a springboard into further academia, into research, but also into elite eventual management positions (sometimes by later getting your MBA). The MFin is a great path for *right now.* There's no use waiting or buying time with some work experience padding. It's a degree that is all about opening doors into jobs, rather than elevating your career path.
As for programs, any MFin list has to start with the Bendheim Center at Princeton. Amazing program, incredible placement, obviously very hard to get into. Stern and Wharton are both super elite business schools with great masters programs.
Abroad you should consider HEC Paris and also Said at Oxford.
Stateside, take a look at MIT Sloan's new program (although I think it has an early application deadline so you might be too late) and also Wash U and Boston College.
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