01 - Preheat oven to 375°F.
02 - In a large skillet, heat olive oil over medium heat. Add ground beef and cook until browned, breaking up with a spoon, about 5 minutes. Drain excess fat if needed.
03 - Add chopped onion and minced garlic; sauté for 2–3 minutes until softened.
04 - Stir in kidney beans, diced tomatoes, tomato paste, chili powder, cumin, paprika, salt, and pepper. Simmer for 5–7 minutes until thickened.
05 - In a medium bowl, mix softened cream cheese and sour cream until smooth. Spread mixture evenly on the bottom of a 9x13-inch baking dish or ovenproof skillet.
06 - Layer the chili mixture over the cream cheese base.
07 - Sprinkle shredded cheddar and Monterey Jack cheese evenly over the chili layer.
08 - Bake uncovered for 15 minutes, or until cheese is bubbling and golden.
09 - Remove from oven and top with green onions, cilantro, and jalapeño slices if desired. Serve hot with tortilla chips, crackers, or vegetable sticks.