Preheat the oven to 390f/180C Fan/Gas 6. Line a 2lb loaf tin.
In a large bowl, combine the oil, both sugars and eggs. Whisk with an electric mixer until fully combined.
Fold in the flour, baking powder, cinnamon and ginger. Then gently fold in the pumpkin puree and chocolate chips. Pour into the lined tin.
Bake 45-50 minutes, until a skewer inserted comes out clean (although likely with some melted chocolate). Let cool.
When the cake is cool, make the frosting! Beat the cream cheese and powdered sugar until fluffy. Spread over the cake.
In a small bowl, combine the cinnamon and sugar. Sprinkle this over the cake and serve!