User/Schema are essentially the same thing. A schema is a user account that owns database objects such as tables, views, indexes, procedures, etc. Other user accounts would probably then be created that are granted privileges on the owning user/schema’s objects in order to run an application. Each user account will have a specific default and temporary tablespaces associated along with system privileges and possible role/object grants.
So, create the user, then create the user’s objects or schema with create table, create view, create index, etc. DDL statements depending on how your schema is supposed to look.