Preheat your grill to medium heat. If using a grill pan, place it on the grill to heat up.
In a large bowl, combine the black beans, diced tomatoes, olive oil, chili powder, cumin, salt, and pepper. Mix well.
On a large piece of aluminum foil, spread out the tortilla chips in an even layer.
Sprinkle the cheddar and Monterey Jack cheeses over the chips, followed by the black bean mixture and jalapeños.
Fold the edges of the foil to create a packet, sealing it tightly to prevent any cheese from escaping.
Place the foil packet on the grill and cook for about 10-15 minutes, or until the cheese is melted and bubbly.
Carefully remove the packet from the grill and let it cool for a minute. Open the packet and top with diced avocado, sour cream, and fresh cilantro before serving.