Preheat your oven to 350°F (175°C).
In a large skillet, brown the ground beef over medium heat, breaking it into small pieces.
Add the chopped onion and minced garlic to the skillet, cooking until the onion becomes translucent.
Stir in the drained black beans, red enchilada sauce, cumin, chili powder, salt, and pepper; mix well.
Layer half of the quartered tortillas in the bottom of a greased 9x13 inch baking dish.
Spread half of the beef mixture over the tortillas, followed by half of the cheese.
Repeat with the remaining tortillas, beef mixture, and cheese.
Cover the baking dish with aluminum foil and bake for 25 minutes.
Remove the foil and bake for an additional 15 minutes, or until the cheese is bubbly and golden.
Let the casserole cool for a few minutes before serving, garnished with fresh cilantro if desired.