Warm the olive oil in a large pot over medium heat.
Sauté onion and jalapeño until softened, about 4–5 minutes.
Stir in garlic, chili powder, cumin, smoked paprika, oregano, salt, and pepper. Cook 1 minute to bloom the spices.
Pour in enchilada sauce, tomatoes with chiles, chicken broth, corn, and black beans. Bring to a gentle boil.
Add the shredded chicken. Reduce heat and simmer 12–15 minutes to meld flavors.
Scoop a ladle of hot soup into a bowl and whisk with the cream cheese until smooth.
Stir the cream cheese mixture back into the pot, then add the heavy cream. Simmer 3–5 minutes without boiling.
Finish with lime juice and cilantro. Taste and adjust salt or pepper as needed.
Serve hot with shredded cheese and crunchy tortilla chips on top.