16. - mutual funds:
    Score: 3
    Qualitative Assessment: Needs Improvement
    Description: Varun needs to significantly enhance his knowledge and practical experience in mutual funds to meet the job's requirements.

17. - user stories:
    Score: 6
    Qualitative Assessment: Average
    Description: Varun has some experience with user stories, but he needs to demonstrate how these align specifically with mutual fund projects.

18. - product owner:
    Score: 5
    Qualitative Assessment: Average
    Description: Varun's understanding of the product owner role is basic and needs deeper integration with technical and regulatory knowledge in mutual funds.

19. - us retirement solution:
    Score: 4
    Qualitative Assessment: Needs Improvement
    Description: Varun did not demonstrate sufficient knowledge or experience in U.S. retirement solutions, which are relevant to the mutual funds sector.

20. - business analysis:
    Score: 7
    Qualitative Assessment: Good
    Description: Varun has a good foundation in business analysis, but applying this specifically to the mutual funds industry requires further development.