In a small bowl, stir together cumin, chili powder, smoked paprika, salt, and pepper.
Heat olive oil in a Dutch oven over medium heat.
Add ground sirloin, breaking it up with a wooden spoon. Stir in onions and garlic.
Sprinkle with spice mixture. Cook, stirring occasionally, until beef is browned, about 7 minutes.
Stir in diced tomatoes, green chiles, beef stock, and tomato paste.
Bring to a simmer; cook, uncovered, stirring occasionally, about 20 minutes.
Stir in black beans; simmer 5 minutes more.
Garnish servings with desired toppings.