16. - mutual funds:
Score: 3
Qualitative Assessment: Needs Improvement
Description: Varun did not display adequate knowledge or experience in mutual funds, which is critical for the role. He should detail his direct experiences with fund management and compliance to align better with the job expectations.

17. - user stories:
Score: 4
Qualitative Assessment: Needs Improvement
Description: While Varun mentioned handling user stories in his previous roles, he did not elaborate on how this experience could be applied in the new role. Providing specific examples of how he has used user stories to meet business goals would be beneficial.

18. - product owner:
Score: 4
Qualitative Assessment: Needs Improvement
Description: Varun's experience as a product owner was not evident from his responses. He should discuss specific instances where he has led product development or enhancements, particularly in a financial context.

19. - us retirement solution:
Score: 3
Qualitative Assessment: Needs Improvement
Description: There was no mention of experience with U.S. retirement solutions, which could be relevant to the mutual funds domain. Varun should highlight any relevant experience, even if indirectly related, to improve his suitability for the role.

20. - business analysis:
Score: 4
Qualitative Assessment: Needs Improvement
Description: Varun's responses lacked depth in demonstrating his business analysis skills. He should provide detailed examples of his analytical projects, particularly those that had significant business impacts.