Cook Meat and Veggies: Heat olive oil in a large skillet over medium-high heat. Add ground chicken, onion, and bell pepper. Season with salt and pepper. Cook until chicken is cooked through and excess liquid evaporates, about 8 minutes.
Add Spices: Stir in chili powder, cumin, and cayenne. Cook 30 seconds until fragrant.
Add Beans and Tomatoes: Mix in black beans, pinto beans, diced tomatoes, and carrots. Cook 3–5 minutes until tomatoes break down slightly. Adjust seasoning to taste. Remove from heat.
Layer in Slow Cooker: Lightly coat the slow cooker with nonstick spray. Layer 1 ½ cups of the meat-vegetable mixture on the bottom, then 2 tortillas, then ½ cup cheese. Repeat layers until all ingredients are used, reserving ½ cup cheese for the top.
Cook: Cover and cook on Low for 4–5 hours or High for 2–3 hours, until heated through.
Melt Cheese: Sprinkle remaining cheese over the top, cover, and cook on high 5–10 minutes until melted.
Serve: Cut into slices and serve warm with optional toppings like avocado, cilantro, sour cream, or salsa.