Set oven to convection bake 450°.
Melt cream cheese with salsa in a 4:1 ratio (4 oz. cream cheese to 1 oz. salsa).
Arrange an even layer of chips on a rimmed baking sheet or casserole dish.
Spoon melted cream cheese and salsa mixture over chips first.
Next, add black beans, pickled jalapeños, mozzarella, and smoked gouda.
Assemble another layer of all ingredients in the exact same manner.
Bake for 5-7 minutes, or until cheese has melted.
Change oven to broil and continue cooking until cheese begins to brown.
Remove from oven and add cilantro, Cotija, additional pickled jalapeños, and diced avocado.
Serve sizzling hot!
