I am using a costly photodetector FGA21 , it requires 3 volt reverse bias (absolute maximum).I am powering the device using smartphone (5V). I have 3.3 volt regulator which is exceeding the voltage rating shall i use voltage divider (10k&100k)? or shall i use voltage reference IC (2.8) 2.5v or 3 V. And, Do i need opamp transimpedence amplifier of simply connect the voltage output (PFA) to teensy 3.2 developer board advice needed.
What I can answer is: yes, rating is 3V max, thus it's not recommended to use it at 3.3V.
But all the rest depends on your application, your requirements.
Like: expected current range, linearity, frequency response, accuracy, precision...
We don't know about all this.
For a high quality measurement: a precise reference and a TIA is my recommendation.