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by anish316 » Sat Dec 12, 2009 4:23 am
Hi,

I gave my GMAT recently and scored extremely low on it. My total score was 680 with 48 in Quant and 35 in Verbal. (83 and 73 percentile resp)

I am planning to apply for Summer/Fall 2011 MBA programs. At the time of my application my profile would be

Business Manager with 4.5 years work experience in a top 10 US bank (Financial Service/Banking Sector).
4 different roles (Credit Risk Management, Marketing Strategy, Portfolio Optimization and Small Business Banking).

Masters in Operations Research from a US University
Bachelors in Mechanical Engineering from India.

I am also planning to give the FRM exam next year.

The schools which interest me are ISB, INSEAD, Booth and Stern.

I know these are top schools and practically impossible to crack with a low GMAT.

Can someone help me evaluate the chances of getting into these schools or recommending some other schools fit for my profile ?

Thanks
Anish
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by Cindy Tokumitsu » Wed Dec 16, 2009 5:29 am
Hello,

I'm afraid that without further information I can neither speculate on your chances nor suggest schools. The reason is that key pieces of you profile are missing; the GMAT is only one part. If it were much lower, say low 600s, I could say that the score alone with be a deal-breaker at the schools. While the 680 is low and could be a deal-breaker under certain circumstances, it's not low enough that I could make that conclusion absolutely. It's certainly a weakness. But if you have exceptional undergrad and grad GPAs, that would make a big difference. Other factors such as goals, extracurricular involvement and leadership, and your leadership at work, also have a bearing on your competitiveness. The adcom will review your application holistically, and the weight each component will have varies depending on the application overall.

Good luck with your interview!
Best regards,
Cindy Tokumitsu
Senior Editor, Accepted.com
www.Accepted.com
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by anish316 » Fri Dec 18, 2009 7:08 am
Hi Cindy

Thanks a lot for replying !

Here is my current profile in a top 10 US Bank (by asset size). Not sure if this helps, but I was promoted twice during my current 3.5 year stint at the financial service firm/bank.

Business Manager (Credit Strategy, Small Business Banking) Oct 09 - Present
Carving out a credit strategy for the small business banking unit including the credit policy, product strategy and economics of local US markets.

Sr Business Analyst/Business Manager (Portfolio Optimization - Credit Cards) Nov 08-Oct 09
Optimized the credit account acquisition volume to keep lending portfolio (>$50 B) within company guardrails while ensuring maximum profitability. Used analytical optimization algorithms.

Sr Business Analyst (Direct Mail, Marketing Strategy - Credit Cards) Feb 08 - Nov 08
Targeting a section of US population with the right product using the customer credit behavior

Data Analyst/Sr Data Analyst (Credit Risk Management - US Lending) Jun 06 - Feb 08
Supported the US lending loss forecasting team with data and reports.

Masters in Industrial Engineering (Operations Research) -- US University 3.7/4 GPA Sep 04 - Jun 06

Bachelor in Mechanical Engineering -- Indian University June 00 - June 04

Proficient in SAS and Teradata. I also got 5.5/6 in my AWA score in the GMAT.

Please let me know your thoughts on my profile.

Thanks
Anish
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