When creating a new project IT uses the Default Permission Scheme. Is there a way to choose what Permission Scheme I want to use for a project as I am creating it or do I have to change it after the creation?
Unfortunatelly it is not possible.
You can try to consider following plugin:
https://marketplace.atlassian.com/plugins/com.wittified.jira.project-creator
In addition to this one, you might also want to take a look at https://marketplace.atlassian.com/plugins/com.wittified.jira.delegated-admin (which allows you to edit the permission scheme after the project creation).
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