Steve while a cursory glance at your posted qualifications appear impressive, it is not possible to make a guess on whether you are HBS material without a more throrough examination of your profile. Applying to HBS is almost like buying a lottery ticket--there are so many applicants, even some very good ones get rejected in any given year that may have been accepted in other years. The stars truly have to align when it comes to finding your way through a process like theirs which receives so many applications. I do know that they highly value diversity and academic excellence, so right off the bat, you seem to offer something being from the UK (since most of their finance applicants come from the US), yet you come up short on GPA--potentially an issue. The longer you are out of school, the less GPA matters, but getting a 7-handle on your GMAT would really help innoculate any concerns they may have about your ability to handle the program. Also, Harvard is really big on leadership, so demonstrating a mature and seasoned leadership potential is critical. Also make sure your career vision is solid and that it ties into or at least builds on what you have accomplished so far--and don't forget to quantify your accomplishments, another big factor for the Harvard committee. Good luck. Short answer for HBS is, you just never know...which is why it is always good to have a backup plan. HAve you considered Yale SOM? They have a strong tradition of turning out non-profit carrer folks. Just a thought.