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