The world I'm building, Qi'raad, orbits a stellar-mass black hole. How would life best adapt to survive? Also, the black hole, named Halku, emits a relatively thin radio jet, which has carved a large canyon on Qi'raad's ecliptic. The planet isn't tidally locked yet.
Black hole's accretion disk burning rate is nowhere as constant as Sun-like star's, and its spectrum is not life-friendly (as @Demigan had already noticed).
Intelligent life at or little above the tech level of modern day humanity would have to dig underground and shelter there. A more advanced civilization might be able to construct some kind of planetary shield to protect itself from harmful radiation and periods of extreme luminosity.
I'm ignoring how the planet got there in the first place or what orbit it might have.
Your life will need light and warmth to survive at all. A BH accretion disk could provide this. The time warping effects on the accretion disk apparently shifts light into higher energies causing more harmful UV radiation.
Your life forms will need more resistances to radiation and UV light at minimum. Possibly adapt to weird season cycles as the light of the accretion disk might not be as constant as you would want.
Edit: for some more information this short article might give a bit: https://news.berkeley.edu/2019/07/25/milky-ways-central-black-hole-puts-einsteins-theories-to-the-test/
It talks a bit about the ludicrous size of the black hole (more than 30x the size of our own supermassive black hole) and its spin. Also that it has to be an old galaxy so the matter feeding the accretion disk doesn't rip the atmosphere away and other such unfortunate things.