Heat olive oil in a large pot over medium heat.
Add chopped onion and cook until soft.
Stir in garlic and cook for about 1 minute.
Add cumin, chili powder, paprika, oregano, salt, and pepper.
Add cooked chicken and stir to coat with spices.
Pour in beans, chicken broth, and diced tomatoes (if making red chili).
Bring to a simmer and cook for 20–25 minutes.
For a creamy version, stir in heavy cream or sour cream to create a White Chicken Chili Stove Top style.
Adjust consistency with additional broth if needed.
Serve hot with your favorite toppings.