Cook the Corn (if using fresh):
Boil or grill corn until tender and slightly charred for extra flavor. If using frozen, thaw and drain well.
Prepare the Vegetables:
Dice red bell pepper, red onion, jalapeños, and chop cilantro. Combine in a large bowl with the corn.
Make the Dressing:
In a medium bowl, whisk together mayonnaise, sour cream, Cotija cheese, chili powder, smoked paprika, garlic, lime juice, salt, and pepper until smooth.
Combine Salad and Dressing:
Pour dressing over corn and vegetables. Mix well until all ingredients are evenly coated. Taste and adjust seasoning with more salt, pepper, or lime juice if needed.
Chill and Serve:
Refrigerate for at least 30 minutes before serving to allow flavors to meld. Garnish with additional cilantro or Cotija cheese if desired.