IMHO - there are 2 possible solutions:
1. Rewrite the query to access table function first:
SELECT CUST.row_id,
CUST.user_id
FROM
( SELECT DISTINCT T.*
FROM TABLE(CAST (package.function(:"SYS_B_0") AS v_archar2_Type)) t ) USER_LIST,
custom_table cust
WHERE USER_LIST.USER_ID = cust.user_id
AND ( CUST.USER_STATUS = :1 )
AND ( CUST.USER_BEHAV = :2 )
AND ( CUST.USER_FLAG = :3 )
AND ( CUST.USER_DEL_FLAG = :4 )
ORDER BY CUST.USER_id
2. As you can see in TKPROF - the query retrieves 414820 entries via INDEX RANGE SCAN on IDX_USER_INDEX, but only 7426 from the table itself.
There is probably filtering on the other WHERE conditions. You can try index :
CREATE INDEX ... ON custom_table ( USER_BEHAV, USER_STATUS, USER_FLAG, USER_DEL_FLAG, USER_ID ) ...
You may use fewer columns in index, but you have to find the most efficient filtering predicate first.
HTH.