Preheat and prep: Heat your oven to 375°F (190°C). Lightly coat a 9x13-inch baking dish with cooking spray.
Cook the bacon: In a skillet over medium heat, cook bacon until crisp.
Drain on paper towels and crumble. Reserve 1 teaspoon of the bacon fat in the pan.
Sauté aromatics: In the same skillet with the bacon fat, sauté the diced jalapeños and garlic for 2–3 minutes until slightly softened. Set aside.
Make the creamy base: In a large bowl, whisk together Greek yogurt, light cream cheese, and mayonnaise until smooth.
Stir in onion powder, smoked paprika, salt, and pepper.
Add the cheeses: Fold in 1 cup of cheddar, all the Monterey Jack, and half the crumbled bacon.
Combine with chicken: Add the cooked chicken, sautéed jalapeños and garlic, and green onions. Mix well so everything is evenly coated.
Assemble: Spread the mixture into the prepared baking dish. Top with the remaining 1/2 cup cheddar.
If using, sprinkle panko on top for extra crunch.
Bake: Bake for 20–25 minutes, until the edges are bubbling and the top is lightly golden.
Finish and serve: Remove from the oven and let it rest for 5–10 minutes. Garnish with extra green onions and the remaining bacon. Serve warm.