Preheat oven to 350°F (175°C). Grease and line an 8×4 or 9×5 loaf pan.
Finely dice jalapeños and grate cheddar; set aside.
Whisk 4 eggs in a large bowl until frothy. Add softened cream cheese and beat until smooth. Stir in melted butter.
In a separate bowl, whisk almond flour, baking powder, salt, and pepper.
Fold dry ingredients into wet until combined. Fold in 1½ cups cheddar, jalapeños, and chives (if using). If batter seems too wet, fold in 1 tbsp almond flour.
Spoon batter into prepared pan, smooth top, and sprinkle additional cheddar.
Bake 35–45 minutes until golden and a toothpick comes out with a few moist crumbs. Tent with foil if browning too fast.
Cool 10 minutes in pan, transfer to wire rack, and cool 15–20 minutes before slicing.