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As someone who was in the same position and did a master's degree, I would recommend against it if possible.

Don't want to bore you with my journey but in short, I made a long side tour (5+years) without knowing what I want. Not saying the experience was completely useless but I eventually made the transition back on track with a top MBA (my master's degree was also semi target btw).

Suggestions:
1/ Do as many coffee chats as possible with ppl in ur potential target positions;
2/ More internships. IB may not be ur thing but an internship there opens many doors;
3/ Copy the paths of those who went to top MBAs. Make Bank≠ Career success in the early years≠ MBA Admissions. But there are resemblances. If you don't know what do to, there're beaten paths out there that you can follow. At least you know those are where you are least likely to go wrong, from a mundane 'career success' perspective.

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