16. - mutual funds:
Score: 5
Qualitative Assessment: Average
Description: Varun needs to demonstrate more in-depth knowledge and experience in mutual funds to fully meet the job requirements.

17. - user stories:
Score: 7
Qualitative Assessment: Good
Description: Varun understands the concept of user stories but could discuss more about how he has specifically used them to drive mutual funds projects.

18. - product owner:
Score: 6
Qualitative Assessment: Average
Description: Varun mentions working with product owners but does not detail his direct experience in this role, which is crucial for the job.

19. - us retirement solution:
Score: 4
Qualitative Assessment: Needs Improvement
Description: Varun does not mention any specific experience or knowledge related to U.S. retirement solutions, which could be integral to the role.

20. - business analysis:
Score: 8
Qualitative Assessment: Good
Description: Varun shows strong capabilities in business analysis, aligning well with the job's requirements, though more specific examples related to mutual funds would enhance his fit.