Mr. RIPKobe

3.8/750 IB Guy, non-URM (not an underrepresented minority, I am assuming), and nothing else super powerful is something of a lottery at Harvard and Stanford. Wharton may go for the stats alone. A lot of this will turn on what adcoms think of your current employer — Is it a feeder firm, etc.? Basically you are competing with other internet banking applicants, so that accounts for the odds, along with other things like what the adcom thinks of your school vs. others. I am not sure when you plan to apply, but most folks who start from your industry apply to H/S/W after 3+ years, which means they also have 2nd job, and the selectivity of that job is another hidden factor in your success as an applicant.

Hello Mr. RIPKobe, Krista Nannery from mbaMission here.
While I think the form collects when you plan to apply to b-school, unfortunately we don’t have that information here to go off of so I’m going to assume you mean now, hence the low odds. There are just so many investment banking analysts…the ones that stand out are the ones that have had an impact and/or developed specific expertise, and while I’m not saying you haven’t done either at this stage, just know that your competition is tough.
I’m glad you have that GMAT out of the way though! And what a great score too. If you were to do two years in IB and two years in PE and apply with that combination of experience, I think you’ll do really well in this process. Assuming you are on the typical track that is! Try to find a PE firm where you will get a lot of transaction experience. Easier said than done but I find my clients with strong transaction experience do better than my clients who may have a great shop on their resume but haven’t really had a lot of hands-on experience.
An alternative might be to jump to a tech company in a few years. That may line up your goals a bit more. You mention that you want to start up your own company — don’t we all! — so maybe spend the next few years trying to refine what that is and taking small steps in that direction so the goal is more understandable to AdComs.
I hope that helps!
Krista