<?xml version="1.0" encoding="utf-8"?>
<!--Generated by DFIN XBRL Instance Document - http://www.dfinsolutions.com/ - Version R3.0 - on 30-April-2026 [06:46:11] {PM}-->
<schema targetNamespace="http://www.ncino.com/20260131" elementFormDefault="qualified" xmlns:ncno="http://www.ncino.com/20260131" xmlns="http://www.w3.org/2001/XMLSchema" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xl="http://www.xbrl.org/2003/XLink" xmlns:us-gaap="http://fasb.org/us-gaap/2025" xmlns:country="http://xbrl.sec.gov/country/2025" xmlns:dei="http://xbrl.sec.gov/dei/2025" xmlns:us-types="http://fasb.org/us-types/2025" xmlns:deprecated="http://www.xbrl.org/2009/arcrole/fact-explanatoryFact" xmlns:srt="http://fasb.org/srt/2025" xmlns:srt-types="http://fasb.org/srt-types/2025" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2024-01-31">
  <annotation>
    <appinfo>
      <link:linkbase id="lnk" >
        <link:roleRef xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#PvpDisclosure" roleURI="http://xbrl.sec.gov/ecd/role/PvpDisclosure"  />
        <link:roleRef xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#IndividualsOnly" roleURI="http://xbrl.sec.gov/ecd/role/IndividualsOnly"  />
        <link:roleRef xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#PvpAdjustmentsOnly" roleURI="http://xbrl.sec.gov/ecd/role/PvpAdjustmentsOnly"  />
        <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel" roleURI="http://www.xbrl.org/2009/role/negatedLabel"  />
        <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel" roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel"  />
        <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel" roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel"  />
        <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel" roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel"  />
        <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel" roleURI="http://www.xbrl.org/2009/role/negatedNetLabel"  />
        <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel" roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel"  />
        <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel" roleURI="http://www.xbrl.org/2009/role/netLabel"  />
        <link:presentationLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/ecd/role/PvpDisclosure" >
          <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AllIndividualsMember" xlink:label="loc_ecd_AllIndividualsMember_136136015" />
          <link:loc xlink:type="locator" xlink:href="ncno-20260131.xsd#ncno_MrdesmondMember" xlink:label="loc_NCNO_MrdesmondMember_136136031" />
          <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllIndividualsMember_136136015" xlink:to="loc_NCNO_MrdesmondMember_136136031" order="100" preferredLabel="http://www.xbrl.org/2003/role/label" />
          <link:loc xlink:type="locator" xlink:href="ncno-20260131.xsd#ncno_MrnaudMember" xlink:label="loc_NCNO_MrnaudMember_136136032" />
          <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllIndividualsMember_136136015" xlink:to="loc_NCNO_MrnaudMember_136136032" order="101" preferredLabel="http://www.xbrl.org/2003/role/label" />
          <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AllAdjToCompMember" xlink:label="loc_ecd_AllAdjToCompMember_136136013" />
          <link:loc xlink:type="locator" xlink:href="ncno-20260131.xsd#ncno_FairValueOfStockAwardsGrantedInFiscalYearMember" xlink:label="loc_NCNO_FairValueOfStockAwardsGrantedInFiscalYearMember_136135976" />
          <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllAdjToCompMember_136136013" xlink:to="loc_NCNO_FairValueOfStockAwardsGrantedInFiscalYearMember_136135976" order="102" preferredLabel="http://www.xbrl.org/2003/role/label" />
        </link:presentationLink>
        <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/all" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#all"  />
        <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-default"  />
        <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-domain"  />
        <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#domain-member"  />
        <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#hypercube-dimension"  />
        <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/notAll" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#notAll"  />
        <link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/ecd/role/IndividualsOnly" >
          <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AllIndividualsMember" xlink:label="loc_ecd_AllIndividualsMember_136136015" />
          <link:loc xlink:type="locator" xlink:href="ncno-20260131.xsd#ncno_MrdesmondMember" xlink:label="loc_NCNO_MrdesmondMember_136136031" />
          <link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ecd_AllIndividualsMember_136136015" xlink:to="loc_NCNO_MrdesmondMember_136136031" order="100" />
          <link:loc xlink:type="locator" xlink:href="ncno-20260131.xsd#ncno_MrnaudMember" xlink:label="loc_NCNO_MrnaudMember_136136032" />
          <link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ecd_AllIndividualsMember_136136015" xlink:to="loc_NCNO_MrnaudMember_136136032" order="101" />
        </link:definitionLink>
        <link:definitionLink xlink:type="extended" xlink:role="http://xbrl.sec.gov/ecd/role/PvpAdjustmentsOnly" >
          <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AllAdjToCompMember" xlink:label="loc_ecd_AllAdjToCompMember_136136013" />
          <link:loc xlink:type="locator" xlink:href="ncno-20260131.xsd#ncno_FairValueOfStockAwardsGrantedInFiscalYearMember" xlink:label="loc_NCNO_FairValueOfStockAwardsGrantedInFiscalYearMember_136135976" />
          <link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ecd_AllAdjToCompMember_136136013" xlink:to="loc_NCNO_FairValueOfStockAwardsGrantedInFiscalYearMember_136135976" order="102" />
        </link:definitionLink>
        <link:labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link" >
          <link:loc xlink:type="locator" xlink:href="ncno-20260131.xsd#ncno_FairValueOfStockAwardsGrantedInFiscalYearMember" xlink:label="loc_ncno_FairValueOfStockAwardsGrantedInFiscalYearMember" />
          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ncno_FairValueOfStockAwardsGrantedInFiscalYearMember" xml:lang="en-US">Fair Value Of Stock Awards Granted In Fiscal Year [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ncno_FairValueOfStockAwardsGrantedInFiscalYearMember" xlink:to="lab_ncno_FairValueOfStockAwardsGrantedInFiscalYearMember" />
          <link:loc xlink:type="locator" xlink:href="ncno-20260131.xsd#ncno_MrdesmondMember" xlink:label="loc_ncno_MrdesmondMember" />
          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ncno_MrdesmondMember" xml:lang="en-US">Mr.Desmond [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ncno_MrdesmondMember" xlink:to="lab_ncno_MrdesmondMember" />
          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_ncno_MrdesmondMember" xml:lang="en-US">Mr.&#160;Desmond.</link:label>
          <link:loc xlink:type="locator" xlink:href="ncno-20260131.xsd#ncno_MrnaudMember" xlink:label="loc_ncno_MrnaudMember" />
          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_ncno_MrnaudMember" xml:lang="en-US">Mr.Naud [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ncno_MrnaudMember" xlink:to="lab_ncno_MrnaudMember" />
          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_ncno_MrnaudMember" xml:lang="en-US">Mr.&#160;Naud&#233;.</link:label>
        </link:labelLink>
      </link:linkbase>
    </appinfo>
  </annotation>
  <import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
  <import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" />
  <import namespace="http://xbrl.sec.gov/dei/2025" schemaLocation="https://xbrl.sec.gov/dei/2025/dei-2025.xsd" />
  <import namespace="http://xbrl.sec.gov/dei-sub/2025" schemaLocation="https://xbrl.sec.gov/dei/2025/dei-sub-2025.xsd" />
  <import namespace="http://www.xbrl.org/dtr/type/2024-01-31" schemaLocation="https://www.xbrl.org/dtr/type/2024-01-31/types.xsd" />
  <import namespace="http://fasb.org/srt/2025" schemaLocation="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd" />
  <import namespace="http://fasb.org/srt-types/2025" schemaLocation="https://xbrl.fasb.org/srt/2025/elts/srt-types-2025.xsd" />
  <import namespace="http://xbrl.sec.gov/ecd-sub/2025" schemaLocation="https://xbrl.sec.gov/ecd/2025/ecd-sub-2025.xsd" />
  <import namespace="http://xbrl.sec.gov/ecd/2025" schemaLocation="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd" />
  <import namespace="http://www.xbrl.org/2006/ref" schemaLocation="http://www.xbrl.org/2006/ref-2006-02-27.xsd" />
  <import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" />
  <import namespace="http://fasb.org/srt-roles/2025" schemaLocation="https://xbrl.fasb.org/srt/2025/elts/srt-roles-2025.xsd" />
  <element name="PayVsPerformanceDisclosureAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="ncno_PayVsPerformanceDisclosureAbstract" substitutionGroup="xbrli:item" />
  <element name="FairValueOfStockAwardsGrantedInFiscalYearMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="ncno_FairValueOfStockAwardsGrantedInFiscalYearMember" substitutionGroup="xbrli:item" />
  <element name="MrdesmondMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="ncno_MrdesmondMember" substitutionGroup="xbrli:item" />
  <element name="MrnaudMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="ncno_MrnaudMember" substitutionGroup="xbrli:item" />
  <element name="InsiderTradingPoliciesAndProceduresAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="ncno_InsiderTradingPoliciesAndProceduresAbstract" substitutionGroup="xbrli:item" />
  <element name="AwardTimingDisclosureAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="ncno_AwardTimingDisclosureAbstract" substitutionGroup="xbrli:item" />
</schema>
