Thank you very much for your time to read my post.


I am planning to apply a phd in finance, specializing in credit risk management. i have contacted a professor directly in this field, (sent him an email attached my resume and a brief writing of my research topic), I expected that he would reply me directly weather he is interested to supervise me or not, then I can send full application. But he just transferred my email to admission office, and I get rejected without even make proper application.


My question are


I am a master graduate in finance from top 10 uk uni five years ago, do I need GMAT score for phd admission?


How are the application procedures? My idea is that…….


Contact future supervisor (if yes)------make application,& prepare GMAT test ( need 2months preparation) --------apply funding


Do I need to take GMAT first, then send my result together with application ? or I can send my application first and tell them GMAT will be sent to them later? Coz I need more time to prepare the test and I am afraid that I will miss out some application deadlines..


Also, do I need apply funding myself, or the supervisor will find funding for me ?


Anyone can give me links for funding in finance research, especially for risk management which could be available, coz this is topic that bankers talk about under current economic condition…


Any input are welcomed..

hi, thanks your kind reply, unfortunately, i just noticed that my age is over the requirement limit.....i will keep looking for something else

hi, thanks a lot, phdbug,

Yes, that is exactly what i am thinking at the moment, Doing a phd is a ticket leading to successful life both private and professional. but of course, i clearly aware of uncertaintly in life...it may work out or not, the bottom line is i have great interest to explore more in the areas of my profession.....even other things do not work out at the end, nothing to lose....and i also thought ageism is probably not big matter in academic, i may have an option to find a position in faculty after graduation ( i am not sure about that though)...so i think i will go for it, find a funding and start to apply......

best

i am mid-age career transmission professional, i have finished my master (finance) at the age of 34 in the uk, and returning to Asia after my study. i was assuming there would be a good life ahead at the time, but unfortunately, due to loss of my mother and breakig up with long term boyfriend, i got depression for quiet long time, but i did manage to enter very competitive field,-fund managment in a large banking corporation. (even though it took me long time, wasted several years of my precious time).

after i worked there for 1.5 years, the financial crisis started, and the worst thing was that i was working on Credit derivative products, i lost my job a year ago, and has been struggled to find a job since then, but no news until now. the main reason is that most employers need more years experiences in the market and age discrimination is another big issue...i once interviwed by a very high paid bank, and after test and many round interviews, i got rejected in the final round, the headhunter told me becasue of my age...how depressing.....

now i am thinking doing a phd in euope, several reasons are here..

1. age discriminision is very serious in asia, i did not see good future living in asia, i know it is perhaps exist in every coner of the world, but europe and us is much better in this sense...

2. i am also hoping to have a family in the near future, it is very difficult in asia, becasue most of people get married in their mid to late 20s, so there is no place for older woman in dating market....

3. i have great insight into industry, (even though i stayed in this industry for just short time), if comparing with the people who are just in academic...especially i know exactly what i want to do in my future research, (eg, risk management and few other topics), i aslo have lots of industry data and materials, and i was keeping to study within unemployment period of time , because i am very interested in this field. (there is no unemployment benefit in asia, so i almost spend of all my saving).


even though i have great motivation to do a phd, but there are also fears, i feel i am such pathetic failure....

anyone can give me some positive examples if you know anybody doing this ?

sorry for my writing, i hope everybody can get my points .

thank you very much for replying my post..

Hi, sorry, i have no clue for your question.

but may i ask you some questions ?

i am also trying to apply DAAD scheme, as i noticed the application deadline is 30th of august, so the time is really tight for me, my questions are

1. do i need find a supervisor before i can apply DAAD?
2. I got master in british uni, and intent to pursue phd, do i need re-take GMAT ?
3. as i understand, the documents that i should sumit ,

degree certificate
ref letters
brief writing paper for research interest
Resume

anything that i missed

4. how long you can get result from them ?

thank you very much for your advise

and appreciate anyone's input