Cook the aromatics: Heat olive oil in a skillet over medium heat. Cook onion for 3 to 4 minutes, then add garlic for 30 seconds.
Brown the beef: Add ground beef and cook until browned and no longer pink. Drain excess grease if necessary.
Build the filling: Stir in taco seasoning, cumin, smoked paprika, salsa, and black beans. Simmer for 3 minutes.
Add creaminess: Lower the heat and stir in cream cheese until smooth. Mix in 1 cup of shredded cheese.
Assemble: Transfer the filling to a greased 9-by-13-inch baking dish. Top with corn chips and the remaining cheese.
Bake: Bake at 375°F for 12 to 15 minutes, until bubbling and golden around the edges.
Serve: Rest for 5 minutes, then add lettuce, tomato, jalapenos, sour cream, avocado, and cilantro.