Ok I scrapped many different drafts but I'd finalize on saying that the subject lacks texture. If this is underwater and the background is that bright then that means the water is murky and so the subject should be engulfed in that murkiness. Cuz otherwise, the subject stands out too much from the background and doesn't feel like it belongs in it. The light rays are a neat detail but u need to exaggerate it on front of the subject too not just behind. I'm not that good of an artist but I tried my best to give my best advice here. Also the hair is a bit off whether its the values or the hue. Idk u figure that one out lol. Genuinely sunning work tho

