Preheat your oven to 375°F (190°C).
Heat 2 tablespoons of olive oil in a large skillet over medium heat.
Add the diced onion and cook until softened, about 5 minutes.
Add the minced garlic and cook for another minute until fragrant.
Stir in the ground cumin, ground coriander, chili powder, smoked paprika, salt, and black pepper. Cook for 1-2 minutes until the spices are fragrant.
Add the cooked lentils and beans to the skillet, stirring to combine.
Pour in the vegetable broth or water and stir to combine. Cook for another 5 minutes, allowing the flavors to meld together.
Transfer the mixture to an 8x8-inch (or similar) baking dish and spread it out evenly.
In a medium mixing bowl, combine the breadcrumbs or crushed crackers, vegan shredded cheese, nutritional yeast, olive oil, dried thyme, and dried oregano (if using). Mix until the ingredients are well combined and the crumbs are coated with olive oil.
Sprinkle the breadcrumb mixture evenly over the bean and lentil filling in the baking dish.
Bake in the preheated oven for 25-30 minutes, or until the topping is golden brown and crispy.
Remove the baking dish from the oven using oven mitts and place it on a cooling rack. Allow the savory crisp to cool for about 5 minutes before serving.
Serve warm as a main dish or a hearty side.