for top 20, seriously and unfortunately
640 isn't even close to the story
not to mention TOEFL
250 is required while 263+ is generally essential
even though you have 5 yrs work experience with full GPA in master
struggled badly in your undergrad would be a potential drawback
almost every top20 applicant has around 700 with 5 yr experience
mostly with Fortune 500 "big boys" experience and associate ganagerial position
the only way may be a roughly 700 GMAT score and a 263+ TOEFL
and you need a clear inspiration about your career logic
why MBA?
sorry to mention this in advance...your opinions mostly make sense
陳鵬文 \$m[1]:Your background and working experience is different from normal applicants
there's no clear sigh about this
陳鵬文 \$m[1]:it would be refreshing if they can see one with unique backgrounds and great story from the rest of the non-core industries(sorry to put it this way). So dun be afraid.
it's not about great story, either
陳鵬文 \$m[1]:If ur material(essays) is at least par or superior to those in Finance/consulting backgrounds, ur background would be an plus for u for sure.
it's nothing to do with finance/consulting background
it's about the fit and the total quality of your talent package (as Stanford and Michigan adcom put it)