01 - Preheat the oven to 400°F.
02 - Heat olive oil in a large ovenproof skillet or Dutch oven over medium heat. Add diced onion and sauté until softened, about 3 minutes.
03 - Stir in minced garlic and red bell pepper; cook for another 2 minutes until fragrant.
04 - Add ground beef to the skillet, breaking it apart with a wooden spoon. Cook until fully browned, about 5-7 minutes.
05 - Mix in tomato paste, diced tomatoes, kidney beans, black beans, beef broth, chili powder, cumin, smoked paprika, oregano, salt, black pepper, and cayenne pepper.
06 - Simmer the chili uncovered for 10-15 minutes, stirring occasionally, until slightly thickened.
07 - In a large bowl, whisk together cornmeal, flour, sugar, baking powder, and salt until well combined.
08 - In a separate bowl, whisk milk, eggs, and melted butter. Pour wet ingredients into dry ingredients and stir just until combined. Fold in shredded cheddar cheese.
09 - Remove chili from heat. Transfer to a 9x13-inch baking dish if not using an ovenproof skillet. Spoon cornbread batter evenly over the chili, spreading gently to cover completely.
10 - Bake for 25-30 minutes until the cornbread is golden brown and a toothpick inserted into the topping comes out clean.
11 - Let the casserole stand for 10 minutes before serving to allow the cornbread to set.