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  <xs:element id="ncno_ShareBasedCompensationArrangementByShareBasedPaymentAwardPercentIncreaseInAggregateShares" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardPercentIncreaseInAggregateShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ncno_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOptionsModified" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOptionsModified" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="ncno_EffectiveIncomeTaxRateReconciliationTransactionCostsPercent" abstract="false" name="EffectiveIncomeTaxRateReconciliationTransactionCostsPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ncno_FinancialCovenantsRequiredMinimumConsolidatedLiquidity" abstract="false" name="FinancialCovenantsRequiredMinimumConsolidatedLiquidity" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ncno_OperatingLeaseCostsNonCash" abstract="false" name="OperatingLeaseCostsNonCash" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ncno_CapitalLeasesPrincipalPayments" abstract="false" name="CapitalLeasesPrincipalPayments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ncno_SaleOfStockSharesReleasedFromLockUpAgreements" abstract="false" name="SaleOfStockSharesReleasedFromLockUpAgreements" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="ncno_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsIssuedAndOutstandingAndNotIssuedAndOutstanding" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsIssuedAndOutstandingAndNotIssuedAndOutstanding" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="ncno_RelatedPartyTransactionTermOfAgreement" abstract="false" name="RelatedPartyTransactionTermOfAgreement" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="ncno_AccountsReceivableCurrencyTranslationGainLoss" abstract="false" name="AccountsReceivableCurrencyTranslationGainLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ncno_FairValueOfContingentConsiderationInConnectionWithBusinessAcquisitionsIncludedInEquity" abstract="false" name="FairValueOfContingentConsiderationInConnectionWithBusinessAcquisitionsIncludedInEquity" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ncno_ResellerAgreementMember" abstract="true" name="ResellerAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ncno_EmployeeStockPurchasePlanMember" abstract="true" name="EmployeeStockPurchasePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ncno_PreliminarilyAllocatedToPurchaseConsiderationMember" abstract="true" name="PreliminarilyAllocatedToPurchaseConsiderationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ncno_FinancialCovenantsRequiredMinimumCash" abstract="false" name="FinancialCovenantsRequiredMinimumCash" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ncno_IncreaseDecreaseInAccruedExpensesAndOtherCurrentLiabilities" abstract="false" name="IncreaseDecreaseInAccruedExpensesAndOtherCurrentLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ncno_ConstructionPayableNoncurrent" abstract="false" name="ConstructionPayableNoncurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ncno_CashHeldInEscrow" abstract="false" name="CashHeldInEscrow" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ncno_A2014EquityIncentivePlanMember" abstract="true" name="A2014EquityIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ncno_NetIncomeLossAdjustmentsToRedeemableNoncontrollingInterest" abstract="false" name="NetIncomeLossAdjustmentsToRedeemableNoncontrollingInterest" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ncno_ProfessionalServicesMember" abstract="true" name="ProfessionalServicesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ncno_TransactionsWithCertainEquityHoldersMember" abstract="true" name="TransactionsWithCertainEquityHoldersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ncno_AgreementForPurchaseOfServiceMember" abstract="true" name="AgreementForPurchaseOfServiceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ncno_NCinoKKMember" abstract="true" name="NCinoKKMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ncno_EffectiveIncomeTaxRateReconciliationImpactOfAdoptionOfNewRevenueStandardPercent" abstract="false" name="EffectiveIncomeTaxRateReconciliationImpactOfAdoptionOfNewRevenueStandardPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ncno_SaleOfStockCostsIncurredRelatedToStockIssuance" abstract="false" name="SaleOfStockCostsIncurredRelatedToStockIssuance" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ncno_TwoCustomersMember" abstract="true" name="TwoCustomersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ncno_DeferredCostsAccruedButNotPaid" abstract="false" name="DeferredCostsAccruedButNotPaid" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ncno_PaymentsOfDeferredCosts" abstract="false" name="PaymentsOfDeferredCosts" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ncno_StockIssuedDuringPeriodValueReclassificationOfCommonStock" abstract="false" name="StockIssuedDuringPeriodValueReclassificationOfCommonStock" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ncno_SecondaryPublicOfferingMember" abstract="true" name="SecondaryPublicOfferingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ncno_NetIncomeLossAttributableToRedeemableNoncontrollingInterestNetOfAdjustment" abstract="false" name="NetIncomeLossAttributableToRedeemableNoncontrollingInterestNetOfAdjustment" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ncno_IncreaseDecreaseInDeferredRent" abstract="false" name="IncreaseDecreaseInDeferredRent" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ncno_AccruedPurchasePriceRelatedToAcquisition" abstract="false" name="AccruedPurchasePriceRelatedToAcquisition" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ncno_SimpleNexusMember" abstract="true" name="SimpleNexusMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ncno_FinancialCovenantsRequiredPercentOfUnrestrictedAndUnencumberedCash" abstract="false" name="FinancialCovenantsRequiredPercentOfUnrestrictedAndUnencumberedCash" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ncno_DeferredTaxLiabilitiesDeferredExpenseContractAcquisitionCosts" abstract="false" name="DeferredTaxLiabilitiesDeferredExpenseContractAcquisitionCosts" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ncno_DeferredTaxAssetLeaseLiability" abstract="false" name="DeferredTaxAssetLeaseLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ncno_BankingRelationshipMember" abstract="true" name="BankingRelationshipMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ncno_ResellerAgreementTextBlock" abstract="false" name="ResellerAgreementTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="ncno_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherAssets" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ncno_BankOfAmericaNAMember" abstract="true" name="BankOfAmericaNAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ncno_ContractWithCustomerLiabilityRevenueRecognizedIncludingRelatedParties" abstract="false" name="ContractWithCustomerLiabilityRevenueRecognizedIncludingRelatedParties" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ncno_DeferredIncomeTaxExpenseBenefitExcludingForeignExchangeAdjustment" abstract="false" name="DeferredIncomeTaxExpenseBenefitExcludingForeignExchangeAdjustment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ncno_RelatedPartyNonCancellableAgreementRenewalTerm" abstract="false" name="RelatedPartyNonCancellableAgreementRenewalTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="ncno_BloombergShortTermBankYieldIndexMember" abstract="true" name="BloombergShortTermBankYieldIndexMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ncno_ApitureIncMember" abstract="true" name="ApitureIncMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ncno_LiveOakBancsharesIncMember" abstract="true" name="LiveOakBancsharesIncMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ncno_AuditInformationAbstract" abstract="true" name="AuditInformationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ncno_A2019EquityIncentivePlanMember" abstract="true" name="A2019EquityIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ncno_IncreaseDecreaseInOperatingLeasePayments" abstract="false" name="IncreaseDecreaseInOperatingLeasePayments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ncno_FairValueOfContingentConsiderationInConnectionWithBusinessAcquisitionsInOtherLongTermLiabilities" abstract="false" name="FairValueOfContingentConsiderationInConnectionWithBusinessAcquisitionsInOtherLongTermLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ncno_CostAccruedRelatedToInitialPublicOfferingReclassifiedFromOtherLongTermAssetsToEquity" abstract="false" name="CostAccruedRelatedToInitialPublicOfferingReclassifiedFromOtherLongTermAssetsToEquity" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ncno_PreliminarilyAllocatedToFutureServicesMember" abstract="true" name="PreliminarilyAllocatedToFutureServicesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ncno_NumberOfAffiliatedEntities" abstract="false" name="NumberOfAffiliatedEntities" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="ncno_DeferredTaxLiabilitiesNetAdjustedAmount" abstract="false" name="DeferredTaxLiabilitiesNetAdjustedAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ncno_VotingCommonStockMember" abstract="true" name="VotingCommonStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ncno_IncreaseDecreaseInContractWithCustomerLiabilityRelatedParties" abstract="false" name="IncreaseDecreaseInContractWithCustomerLiabilityRelatedParties" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ncno_IncreaseDecreaseInCostsToObtainContracts" abstract="false" name="IncreaseDecreaseInCostsToObtainContracts" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
