01 - Preheat oven to 400°F.
02 - In a large skillet over medium heat, add ground beef and cook for 2–3 minutes, breaking it up with a spoon.
03 - Add onion and garlic; sauté until softened, about 3 more minutes.
04 - Stir in cumin, chili powder, smoked paprika, salt, and pepper. Cook for 1 minute until fragrant.
05 - Mix in tomato paste and water. Simmer for 4–5 minutes until slightly thickened. Remove from heat.
06 - On a large baking sheet or ovenproof platter, spread tortilla chips in an even layer.
07 - Scatter black beans over the chips, then spoon the beef mixture evenly on top.
08 - Sprinkle both cheeses evenly over the beef and beans.
09 - Bake in preheated oven for 8–10 minutes, until the cheese is fully melted and bubbly.
10 - Remove from oven and garnish with your choice of toppings: sour cream, avocado, tomato, red onion, cilantro, jalapeño, and lime wedges. Serve immediately.