In a large pot, heat the olive oil over medium heat. Add the diced onion and sauté for about 5 minutes until translucent. Stir in the minced garlic and cook for an additional 1-2 minutes until fragrant.
Mix in the diced red bell pepper and any optional green chili. Cook for 3-4 minutes until softened. Add the corn kernels (reserve a handful for garnish) and diced potatoes to the pot.
Sprinkle in the cumin, smoked paprika, salt, and pepper. Pour in the vegetable broth and bring the mixture to a boil. Reduce the heat to a simmer and cook for 15-20 minutes, or until the potatoes are tender.
Using an immersion blender, blend the chowder until smooth for a creamy texture, leaving some chunks for variety. If using a regular blender, be careful to let the chowder cool slightly before blending in batches.
Return the blended chowder to the pot (if using a regular blender) and stir in the heavy cream or coconut milk. Allow it to heat through for another 5 minutes, adjusting seasoning if necessary.
Ladle the chowder into bowls, topping each with a sprinkle of reserved corn, a sprig of cilantro or parsley, and a squeeze of fresh lime.
Notes
For a dairy-free option, use coconut milk instead of heavy cream.