Starting off, Wharton and Columbia are certainly within your reach based on the information you provided. Your undergrad experiences and leadership potential seem strong, your professional experiences can potentially be segued to the near- and long-term career goals you've referenced, and your extracurricular activities (especially in undergrad) are commendable. However, there are many others having similar stories that will be competing with you, so the focus now needs to be on how you craft your story and the execution.
With respect to your GMAT, I would be more concerned with your low Quant score if you didn't have a background in finance and clear demonstration of quantitative skills/experience in your professional life. Now, admittedly, such a low Quant score won't be viewed highly standalone, but you should think of your application as a comprehensive package because that's what it is! Shortfalls on one part can be compensated for elsewhere.
Some things worth consideration in your application include telling more comprehensively the story of what other extracurriculars you engaged in after graduation (the financial counseling and microfinance work) and how it's shaped the direction you'd like to head in, the exact steps as to how your previous career seamlessly transitions to especially your near-term career goals, and also being able to answer the questions of "Why MBA" and "Why Now" clearly during an interview.
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