211工科转金融硕 求定位

itaratssUID: 3110408

211工科院校计算机专业毕业，想转读金融硕士。GPA3.72/4（学校85+即4分，自己算过如果按90+才4分的话大概是3.5），GMAT 720,TOEFL 106，拿过三年的奖学金和优秀毕业生，今年6月考了一个CFA level1，4月去考了CVA（估值分析师，只通过了基础模块excel建模模块没过）；在MOOC上学过密西根大学的金融导论，伊利诺伊香槟的微观经济学，沃顿的会计，再加上考CFA一级时看的书，对经济金融会计基础知识学了一些皮毛。有三年在ICBC干开发的工作经验，没什么其他活动经历和学术研究经历，无牛推，一封学校毕业论文指导老师给，另一封工作时supervisor给。
由于预算有限，主申香港金融硕士，目前打算是投完了港中科前三间以后等11月中旬开始投浸会城大和理工。想请大家帮忙定位，这个背景定位合理不，现在等于准备拿浸会的MSAF保底，会不会有扑街没学上的风险？
另：目前还在考虑11月申个荷兰和新加坡的项目，但是加拿大和美国的由于费用较高犹豫还要不要申请...求推荐其他国家30万以下Finance项目~  希望毕业能从事buy-side analyst行研类工作做基本面分析，想在成熟资本市场工作至少2~3年再回国工作

MaxFeburarybirdUID: 3023313

香港的项目又不多，全部申请了呗。。。
另外，最好也加上新加坡的三间 -- NUS，NTU 和 SMU

cheesechanUID: 3505689

對於有工作在身的申請者來說, 應該不怕扑街没学上的吧....
申不上便遲一年再申, 反而是申上了不夠好的學校, 轉不了行, 又沒有收入才更麻煩.

therefore, if I were you, I won't ever consider HKBU or PolyU in HK (maybe also not CityU)
and also consider NUS and SMU (but not the MSc Finance in Chinese in NTU)

In UK, Oxbridge, LBS, LSE, IC also worth consider.
For Netherlands, I am not sure if Dutch is needed for working there, but you may be have a look in Amsterdam and RSM.

Of course, this list is talking about master in finance but not master in financial engineering, which I guess you can leverage your previous experience as bachelor in computer science + developer in ICBC, though as MSF fit the goal of working in buy-side analyst 行研类工作做基本面分析.

Given that OP have 3 year of working experience, an MBA with a finance concentration is also a good alternative though the tuition can be more experience even it is a 1 year one.

If the budget is really restricted, OP may also consider MFE/MQF in ETH, EPFL or Waterloo (or Ecole Polytechnique or TU Munich or etc...) (but this is quantitative finance but not general finance)

itaratssUID: 3110408

cheesechan 发表于 2015-11-2 19:15
對於有工作在身的申請者來說, 應該不怕扑街没学上的吧....
申不上便遲一年再申, 反而是申上了不夠好的學校 ...

Thanks for your advice!!
How about Finance programs taught in English in Italy and France?? I'm really interested in Europe now, since some of them offer scholarships more or less, such as Bocconi... Recently I've been working through the QS ranking by subject in accounting and finance, filtering by region and location and then browse the website of the school to see if there is a MSF scholarship available...

cheesechanUID: 3505689

itaratss 发表于 2015-11-3 10:29
Thanks for your advice!!
How about Finance programs taught in English in Italy and France?? I'm r ...

Bocconi is a target for london BB FO and thus for sure it is a good school  in Europe.  The downside of it is:
1. U dont know u will habe scholarship for year 2 or not even u have it for year
2. It is in itlay,  i.e. lack of local job market for international student like u,. And have to fight for position in london....which is for sure very very competitive,. Of course given it is in europe,  u may try frankfurt at well too,  but without deutsch things are not that easy though still possible.

For france,  i guess the tuition is equally high as uk but lack of reputation back in asia,  so the same logic as bocconi:  dont consider it over the good school in uk unless u plan to stay in europe and have scholarship for it.  Another point to note is,  the flagship program in the business school in france is their GE MiM but not ajything else. Have a look in the 3 school in paris...of course,  the biggest problem is still the same:  without french,  it is rather difficult to look for a job there. Much worse than in netherlands without dutch i will say.

Another possible solution is to consider school in germany (or swiss) since there is frankfurt there, and the tuition is low too.  But it seems to be that ur switch is too big to be acceptable under their education system.  (they require very similar major between bachelor ane master.)

P.s. dont believe QS too much.  Um....dont just reference to it only too,  FT ranking will come before it from my point of view.

itaratssUID: 3110408

cheesechan 发表于 2015-11-3 17:32
Bocconi is a target for london BB FO and thus for sure it is a good school  in Europe.  The down ...

您这个回复...我看了 想了 还记了一些...  然后不知道该说啥了...

I've been dealing with the online application of Bocconi these days and submitted a need-based scholarship application. So the best result is, even if I got admitted, two years later after I graduate, I will probably fail to find a job there, pack up my things and go back to China with a diploma lack of reputation...:DDDD这是一个喜剧

So, I see... as for Europe, do not consider unless there is a scholarship, and be ready to learn a second language to compete for the slim chance in job markets there...

As for HK...even if I got admitted by any of the best 3 in HK, I cannot afford and have to take a loan to finish the program, which seems even more rediculous....and that's why I considered HKBU,CITYU and POLY in the first place.

Many thank-youssssssss~

cheesechanUID: 3505689

itaratss 发表于 2015-11-5 17:39
您这个回复...我看了 想了 还记了一些...  然后不知道该说啥了...

I've been dealing with the online ...

1. For Bocconi, if you are really very very top, you will have the chances to get an offer in London. She is viewed as a target, just like Warwick, LSE, UCL, HEC and etc....
For HEC Paris, if you speak French, and you are in the GE program so that you have the time for a couple of internships, you are very likely to get a role in Paris; same for HSG or Mannheim with Deutsch and replace Paris with Frankfurt; but imagine the economics in Italy then.......similar for school in Spain, even you speak Italian or Spanish.

Many finance program in Europe are taught in English, say Bocconi MS Fina, HEC Paris, RSM, HSG, also Mannheim ESSEC MiM, SSE, and etc..........but when you look for a job, it is quite likely that the local language is required. Just go to career page there to find a job as if you were already there, and you will know.
I won't say things are impossible without the local language, but things will be way more difficult. Of course for UK that's not a problem as they speak English, but their visa policy is a big problem (put aside tuition fee first).

2. Finance is a competitive field. The difference between a good and not-good-enough school is not like getting 90 marks vs 75 marks in exam, but it is like: your school is well-regarded so you will get the interview, or your school is not in the list, so your CV goes to rubbish bin directly - it is a Pass vs Fail marks case.
If you cannot afford the tuition of HKU, CUHK, HKUST, what I will say is, forget about doing a master in HK (or anywhere indeed) at this moment. CityU maybe still fine, but the risk is too high given you have so little $$. For sure I won't consider PolyU/HKBU finance unless I am really ready to work as an accountant or an fund/insurance sales.

落落尘烟UID: 2276569

基本面研究对写作功底和沟通能力有要求的。 所以在欧洲和美国从事这样的工作相对更加困难。

相对你的计划，似乎香港是个不错的选择。

另外呢，基本面研究一方面是研究，另一方面也是build connection，和行业里公司啊董秘的关系，和基金经理的关系。当然卖方分析师这样的情况多一点 （不过说实话，新人直接到买方当分析师比卖方更难。。）
所以从这个角度来说么，国外工作两三年未必比直接在国内积累2~3年经验更接地气啊，也未必比较优势大多少。

itaratssUID: 3110408

落落尘烟 发表于 2015-11-9 00:31
基本面研究对写作功底和沟通能力有要求的。 所以在欧洲和美国从事这样的工作相对更加困难。

相对你的计划 ...

我原是想能从卖方分析师做起就不错，后来有个做行研的同学告诉我说要做就争取一开始就进买方，因为做了卖方以后再转买方就很不同，他们总是嘲笑卖方的行研报告...
想在国外工作这个是因为...我之前在招聘网站上大概搜了一下分析师的招聘信息，看到有一些会写明若有成熟资本市场工作经验如美国英国香港blabla的是个plus，于是萌生了毕业在当地干个两三年的想法...
很喜欢香港也很想去，但是欧洲的奖学金对我有致命吸引力T^T看录取结果怎么样了 如果香港前三间和欧洲都没消息那我也不用在这里纠结直接开始准备申香港后三间就行了...

itaratssUID: 3110408

cheesechan 发表于 2015-11-5 18:43
1. For Bocconi, if you are really very very top, you will have the chances to get an offer in Lo ...

Most of the time I'm not among that 'very very top' students so... if I choose program in Europe at last, I'll probably come back and find a job in Beijing.

For answer 2... thanks for your advice, I will reconsider if I'm really admitted by CUHK~ currently for me it is CUHK>=BOCCONI>other european univ>CITYU>POLYU,HKBU  

对了  我有个问题  您了解bocconi的录取节奏吗？比如今年round1 给的公布结果日期是1.28  那是1.28
一下公布第一轮所有的录取结果，还是说提交的早的话会先出结果？比如我好像是11.7提交的  会不会12.7左右就能有结果了呢   想开始申一些欧洲其他学校  但是又怕到时候bocconi结果还没出来其他结果先出来了...

对于读研这个事  您可能也注意到了我11年就注册了，现在还在论坛上面晃荡....只能说，如果结果不太好的话，我还是会考虑去城大甚至是理工和浸会的... 可能我本来就是中不溜的，如果回国学校牌子不够大，哪怕能从小的基金或者投资机构干起，我也可以接受，这样想合理吗？嘿嘿  只能说聊胜于无吧   有多少能力就做多少事

http://www.unibocconi.eu/wps/wcm ... to+2008+11+20+12+51

cheesechanUID: 3505689

itaratss 发表于 2015-11-17 21:17
我原是想能从卖方分析师做起就不错，后来有个做行研的同学告诉我说要做就争取一开始就进买方，因为做了卖 ...

what I can say is......be realistic. buy side seldom take fresh graduate.

the reason why the sell-side analyst report is sometime a joke is......not because of the ability, but the nature of the role. sell-side analysis is at the end, sales. Selling something to other institutional client, so no matter how bad they believe their product is, they still have to write something good about it.

cheesechanUID: 3505689

itaratss 发表于 2015-11-17 21:53
Most of the time I'm not among that 'very very top' students so... if I choose program in Europe a ...

1. Bocconi: guess you will have result same time as other round 1 applicant. indeed seldom school in Europe issue offer that early for MS, so I think your concern is not a problem.

2. HK: school is more improtant than the major, as long as it sounds related, especially you can do a CFA.
I will suggest you to try whatever related master like accounting, economics, management and etc. first, before really gambling for CityU and PolyU.

3. not among that 'very very top' students + 有多少能力就做多少事 = don't plan towards 毕业能从事buy-side analyst行研类工作做基本面分析

cheesechanUID: 3505689

itaratss 发表于 2015-11-17 21:53
Most of the time I'm not among that 'very very top' students so... if I choose program in Europe a ...

1. Bocconi: guess you will have result same time as other round 1 applicant. indeed seldom school in Europe issue offer that early for MS, so I think your concern is not a problem.

2. HK: school is more improtant than the major, as long as it sounds related, especially you can do a CFA.
I will suggest you to try whatever related master like accounting, economics, management and etc. first, before really going for CityU and PolyU.

3. not among that 'very very top' students + 有多少能力就做多少事 = don't plan towards 毕业能从事buy-side analyst行研类工作做基本面分析

itaratssUID: 3110408

cheesechan 发表于 2015-11-17 22:58
1. Bocconi: guess you will have result same time as other round 1 applicant. indeed seldom school  ...

我不得不说您这个思维好犀利啊   连我的鸵鸟心态暂时逃避问题都被抓到了....
2.也就是说我哪怕能申上HK前三所的其他专业，哪怕是类似Business Analysis, 也比去后三所的finance要好？

3.不要这样...好心塞...我要怎样才是在plan towards 毕业能从事buy-side analyst行研类工作做基本面分析 T^T  就是削尖了脑袋往HK前三所冲！！！不管什么专业不要拦我！！！如果真去了bocconi算是plan towards 毕业能从事buy-side analyst行研类工作做基本面分析 了吗.....我真的好想去这个学校啊啊啊...

cheesechanUID: 3505689

itaratss 发表于 2015-11-18 00:55
我不得不说您这个思维好犀利啊   连我的鸵鸟心态暂时逃避问题都被抓到了....
2.也就是说我哪 ...

2. yes. of course I am not talking about a master in history. I just mean any major that is not too far away so that you will still get the interview (economics and accounting are obvious example, indeed I will put accounting / economics + CFA over finance only / finance + CFA)

3. Life is like that. Ability is limited. World is competitive.
I don't mean that you should not try / fight for it, but: prepare a plan B, C and D.

P.S. honestly I don't think you fit Bocconi. Your mind is not strong enough to fight for a position in London. (I don't mean your profile, but your will is not firm enough to risk it). That is a very competitive and risky path I have to say.