In a large pot, warm the olive oil over medium heat. Add the diced onion and sauté for approximately 5 minutes, or until the onions become translucent and fragrant. Stir in the minced garlic, cooking for an additional 1-2 minutes until aromatic.
Incorporate the diced red bell pepper and any optional minced green chili into the pot. Sauté for 3-4 minutes until the bell pepper softens. Add the corn kernels (reserve a small handful for garnishing) and the diced potatoes to the mixture.
Sprinkle the ingredients with ground cumin, smoked paprika, salt, and pepper. Pour in the vegetable broth, bringing the entire mixture to a boil. Once boiling, reduce the heat to a simmer and let it cook for 15-20 minutes, or until the potatoes are tender when pierced with a fork.
Using an immersion blender, blend the chowder until it reaches a smooth consistency, while optionally leaving some chunks for texture. If you are using a regular blender, allow the chowder to cool slightly before carefully blending in batches.
If you used a regular blender, return the blended chowder to the pot. Gently stir in the heavy cream or coconut milk, letting it heat through for another 5 minutes while checking for seasoning adjustments as needed.
Ladle the warm chowder into bowls. Top each serving with a sprinkle of the reserved corn, a sprig of fresh cilantro or parsley, and a generous squeeze of lime juice for brightness.
Notes
For a dairy-free option, use coconut milk instead of heavy cream.