Preheat your oven to 350°F (175°C).
In a mixing bowl, combine the softened cream cheese and sour cream until smooth.
Add the corn, diced tomatoes, and chopped green onions to the bowl.
Sprinkle in the chili powder, cumin, salt, and pepper. Mix well to combine.
Fold in the shredded cheddar cheese, reserving a small amount for topping.
Transfer the mixture to a baking dish and spread evenly.
Top with the reserved cheddar cheese.
Bake in the preheated oven for 20 minutes or until bubbly and golden.
Remove from the oven and let it cool slightly.
Serve warm with tortilla chips or fresh veggies.