Heat a large skillet over medium heat.
Add the ground beef and cook until browned, breaking it apart as it cooks (about 5–6 minutes).
Drain excess grease if needed.
Stir in the diced onion and garlic.
Cook for 2–3 minutes until the onion softens.
Stir in chili powder, cumin, salt, and black pepper.
Add the uncooked rice and stir to coat it in the seasonings.
Pour in the diced tomatoes, tomato sauce, and beef broth.
Add the black beans and corn.
Stir everything together.
Bring the mixture to a boil, then reduce heat to low.
Cover and simmer for 20–25 minutes, stirring occasionally, until the rice is fully cooked.
Sprinkle the shredded cheese over the top.
Cover for another 2–3 minutes until the cheese melts.
Garnish with fresh cilantro if using.
Serve hot with your favorite toppings.