Heat olive oil in a large pot over medium heat. Add onion and saute until softened, about 4 to 5 minutes. Add garlic and cook 1 minute more.
Stir in green chiles, cumin, chili powder, smoked paprika, oregano, and cayenne if using. Cook 1 minute to toast the spices.
Add shredded chicken, chicken broth, white beans, and corn. Stir to combine and bring to a simmer. Cook 10 to 15 minutes to allow flavors to meld.
Reduce heat to low. Add cream cheese in small pieces, stirring until fully melted and incorporated.
Stir in heavy cream and lime juice. Season with salt and pepper to taste.
Ladle into bowls and serve with desired toppings.