16. - agile business analysis:
    Score: 7
    Qualitative Assessment: Good
    Description: Varun understands agile business analysis but needs to apply this knowledge more effectively in the context of financial services.

17. - user stories:
    Score: 8
    Qualitative Assessment: Good
    Description: Varun is proficient in creating user stories. He could enhance his skill by integrating more specific acceptance criteria tailored to financial services.

18. - backlog creation:
    Score: 6
    Qualitative Assessment: Average
    Description: Varun has basic knowledge of backlog creation. He should focus on learning more about prioritizing backlogs in line with strategic business objectives.

19. - sprint creation:
    Score: 6
    Qualitative Assessment: Average
    Description: Varun's understanding of sprint creation is fundamental. He could benefit from deeper practical experience in managing sprints within agile frameworks.

20. - product owner:
    Score: 5
    Qualitative Assessment: Needs Improvement
    Description: Varun needs to develop a stronger understanding of the product owner's role, particularly in defining vision and aligning product goals with business objectives.