Heat oven to 450°F and arrange rack in upper third of oven. Line a ovenproof platter or baking sheet with a layer of chips, top with half of the chicken, half of the black beans and half of the cheese. Repeat the layering; chips, chicken, beans, and cheese.
Bake until cheese is melted and starting to brown about 10 minutes.
Remove and top with remaining ingredients. Serve with dollops of sour cream if desired.