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

17. - user stories:
Score: 5
Qualitative Assessment: Average
Description: Varun mentioned user stories in his resume but did not effectively connect this experience to the job requirements during the interview.

18. - product owner:
Score: 4
Qualitative Assessment: Needs Improvement
Description: There was little to no mention of experience relevant to acting as a product owner, an important aspect of the Business Analyst role.

19. - us retirement solution:
Score: 4
Qualitative Assessment: Needs Improvement
Description: Varun did not discuss any relevant experience with US retirement solutions, missing an opportunity to align with the job's focus.

20. - business analysis:
Score: 5
Qualitative Assessment: Average
Description: While Varun has a background in business analysis, he did not provide strong examples of his expertise in this area during the interview.