In your opinion, should I pursue a master's degree now or gain one to one and a half years of work experience in the finance field before applying in UK/Ireland?

It depends on your career goals and the requirements of the master's programs you're considering.

- Pursuing a master's now lets you maintain academic momentum and start your career sooner. Most finance master's programs in the UK, Germany, and Ireland do not require prior work experience, though internships or related exposure can strengthen your application.
- Gaining 1 - 1.5 years of work experience can make your application more competitive, help clarify your interests within finance, and may ease financial pressures by allowing you to save before studying.

If you feel ready and have a clear direction, applying now is an option. If you want to build your profile and gain clarity, work experience first can be valuable.