Here's my ref sheet for my female Nagas. If my writing is too difficult for you to see properly, I'll put the important stuff in here.

Females look more humanoid than males, but with elongated necks and torsos, lending to their serpentine nature. They also have tails, but unlike males, their legs continue to develop when they reach adolescence, rather than withering away. They have armor scales too, but only a few, on their foreheads, the backs of their shoulders, and at the base of their tail. But of course, not every female is the same, so there are always going to be variations.

They also have hair XD and instead of being totally covered in scales, they only have them in patches, on their faces, shoulders, back, hips, and tail.

Male ref is here: [link]

These Nagas are my own variation on the overall creature.