16. - mutual funds:
Score: 4
Qualitative Assessment: Needs Improvement
Description: Varun did not demonstrate a deep understanding of mutual funds, which is critical for the role. He should include specific examples of his experience in this area.

17. - user stories:
Score: 6
Qualitative Assessment: Average
Description: Varun mentioned his experience with user stories, but did not connect this effectively to how it could be applied in the mutual funds context.

18. - product owner:
Score: 5
Qualitative Assessment: Average
Description: Varun's experience as a product owner was not clearly articulated in terms of leading strategic initiatives in mutual funds.

19. - us retirement solution:
Score: 4
Qualitative Assessment: Needs Improvement
Description: Varun did not mention any specific knowledge or experience with US retirement solutions, which could be relevant to the role.

20. - business analysis:
Score: 6
Qualitative Assessment: Average
Description: While Varun has a background in business analysis, he did not sufficiently detail how his skills could be applied specifically in the mutual funds domain.