Hetty is an Associate Managing Director for MIS Ratings and Research in the US Public Finance Group. She leads a team of analysts responsible for a portfolio comprising US States and Territories, Mass Transit and US Federal Leases.

Previously, Hetty led a team of Associate Analysts in Ratings and Research Support supporting lead analysts in the US Public Finance Group and the Financial Institutions Group in the Americas. Prior to that, she was a Team Leader of analysts in US PFG covering local governments in eight Midwest states and was based out of the Chicago, Illinois office. Hetty initially joined Moody’s as an analyst on the Midwest Local Government team in 2003.

Hetty has participated in various strategic initiatives, including kickstarting R&R Global Training Councils for the fundamental ratings teams and serving as an MCO Corporate Social Responsibility Impact Leader Chair. She has represented Moody’s as a member of the National Board of Directors of Women in Public Finance and as a board member of the Chicago Municipal Analyst Society, a local constituent of the National Federation of Municipal Analysts.

Prior to joining Moody’s, she was a senior consultant at KPMG LLP in the Dispute Advisory Services practice, providing accounting, valuation, and litigation arbitration services to corporate and public sector clients. Hetty has a BS in Human Development from Cornell University and an MS in Urban Policy from the New School University in New York City.

Chandra Ghosal is a Vice President - Senior Credit Officer on the States Ratings team, covering both US States and federal lease credits.

Chandra previously managed the Municipal Supported Products Group within US Public Finance Group which is responsible for assigning ratings to variable rate bonds supported by letters of credit or conditional liquidity facilities. Chandra also led Moody's research and analysis on the credit impact of state and local government infrastructure condition and investment trends.

Chandra joined Moody's in 2011 as a local government rating analyst in the Chicago office where he covered tax and revenue backed local government credits. He relocated to New York in 2013 where he began covering credits in the Southeastern region.

Prior to joining Moody's, Chandra worked for the New York City Office of Management and Budget. He is a graduate of Cornell University, from which he holds a BA in Government and an MPA in Public Administration.

Ken Surgenor is the analytical lead for credits in Texas, Kansas and Colorado metropolitan districts. Ken has served as analytical lead in Missouri and New Mexico and has also covered charter school credits nationally. 

Prior to joining Moody’s, Ken worked for the City of San Antonio in the Office of Management and Budget. Ken holds a Master of Public Service and Administration degree from the Bush School at Texas A&M University

Cassandra Golden is an AVP–Analyst in Moody’s Healthcare Ratings group, covering not-for-profit hospitals and healthcare systems across the Mid-Atlantic, Midwest, and Pacific Northwest. Cassandra recently authored the 2026 Not-for-Profit Healthcare Outlook and contributed to research on the impact of OBBBA on hospitals.

Previously, Cassandra worked on Moody’s Higher Education and Not-for-Profits team. Before joining Moody’s, Cassandra served as a senior analyst at the New York City Office of Management and Budget. She holds a B.A. in Political Science and Public Administration from Providence College.