Subramanian P.R. is a seasoned banking professional with over three decades of experience across credit, operations, internal audit, and operational risk in leading banks across India and the Gulf region. He has worked with ICICI Bank in India, RAK Bank in Dubai, and the National Bank of Oman (NBO) in Dubai and Muscat. At NBO, he served as Head of Policies & Procedures in Muscat and previously as Head of Operational Risk in Dubai. Subramanian holds a Master’s degree from Madras University, is an ACMA from the Institute of Cost Accountants of India, a CMA from the Institute of Management Accountants (USA), and a CAIIB from the Indian Institute of Bankers. His strong academic foundation, combined with decades of practical expertise, has enabled him to build robust risk management frameworks and ensure sustainable growth in dynamic financial environments.