First you may ask yourself and you should be able to answer after 3 years in the job market, what is your interest? At least, what is NOT your interest?

Then you could list down your career possibilities, do not afraid of changing industry, 3 years of IT experience will not be wasted even you transfer to a completely new working environment.

I believe what you have obtained such as, programming, SDLC cycles are useful, but what really matters is the industry knowledge, that's what PMs and consultants are valued for. In the end, IT talks to business, it either makes business operation to run in a more cost saving environment, or creates new business opportunities.

If you are not the type of person who wants to excel in technical aspect, I think the next step could be a job that moves yourself slightly "upstream" in the software development industry, for example, a business analyst or junior-level consultant who talks to the client and to gain more industry knowledge. This does not require a CFA or ACCA.

Doing something different in your next career move, but make it something that adds to your portfolio, do not choose another programming job even the pay is higher.