Heat olive oil in a large skillet with a fitting lid over medium heat. Add the finely chopped onion and diced, seeded jalapeño; sauté 2–3 minutes.
Add the ground turkey, season with salt and pepper to taste, and cook while breaking it into small crumbles until browned. Check several representative crumbles with a food thermometer; cook to 165°F (74°C).
Stir in the chili powder, smoked paprika, cumin, cayenne, drained pinto beans, corn, and salsa. Mix well and cook 3 minutes.
Lightly crumble the tortilla chips over the filling and add the cheese. Cover and cook 1–2 minutes, until melted. Remove from heat; top with cilantro, pickled red onions, and chopped tomatoes. Serve with lime wedges and optional guacamole, sour cream, or avocado.