Hey
2pumpchumpWell, top 20 is a pretty wide band to choose from, but first, let's talk a bit on your profile :
Starting with your athletic activities, the fact that been involved in sport at such a level is definitely beneficial when comes to drafting the school's application, but you cannot completely rely on it, schools are not looking for one specific thing, they are in the pursuit of a holistic applicant, one who will be a good fit with their values and has a clear focus on his goals.
I am not sure which universities or countries you are specifically interested in, but if we are talking about the top MFin schools, I would say that your profile is realizable for pretty good schools like Michigan, Vanderbilt, Babson, Schulich with a strong application.
Talking about your GPA, it is a bit on the lower side, though you can mitigate its effects via a strong GMAT score.
Also mentioning a well-written reason for why your GPA was low (you were involved in sports or other things) and highlighting places where you have made an impact would be ideal and keep your profile competitive.
I would suggest you work on your GMAT a bit harder and try to score at least 710+ scores in the same so that you can overcome your no work and low GPA account on your profile.
Apart from this an overall strong application, essays, LOR, are by far the best way to showcase your profile and make an impact on the selection panel.
Talking about the schools, as with your Current profile schools such as Imperial, EMLyon, University of St Gallen, Warwick can be targeted.
I would suggest you take the free profile evaluation once you get your GMAT score, to get a better idea of your updated profile :
Here is the link
https://mim-essay.com/profile-evaluation?gcf