01 - Set oven to 375°F (190°C).
02 - Heat olive oil in a large skillet over medium heat. Add ground beef and cook until browned, breaking apart with a spoon, approximately 5 minutes. Drain excess fat if necessary.
03 - Add chopped onion and minced garlic to the skillet; sauté for 2 to 3 minutes until softened and fragrant.
04 - Stir in kidney beans, diced tomatoes, tomato paste, chili powder, ground cumin, paprika, salt, and black pepper. Simmer for 5 to 7 minutes until sauce thickens.
05 - In a medium mixing bowl, combine softened cream cheese and sour cream, stirring until smooth. Spread mixture evenly across the bottom of a 9x13-inch baking dish or ovenproof skillet.
06 - Distribute the prepared chili mixture uniformly over the cream cheese layer.
07 - Sprinkle shredded cheddar and Monterey Jack cheese evenly across the chili layer.
08 - Bake uncovered for 15 minutes, or until cheese melts and develops a golden, bubbling surface.
09 - Remove from oven and top with sliced green onions, fresh cilantro, and jalapeño slices as desired.
10 - Transfer to serving vessel and present hot alongside tortilla chips, crackers, or fresh vegetable sticks.