My thumb nail cracked down the middle, so I've been cutting the nail short short short so it doesn't snag and crack even more. Doing so caused my skin to crack, a nasty deepish sort of skin crack that made the whole area tender and was beginning to even throb a little. A quick heal did not look promising. Lotion definitely wasn't going to do the trick.
The internet, which is where I took my problem in hopes of a solution. In ten seconds I found a solution.
Superglue. Apply a dab to the cracked skin. A seal protection is immediately formed. The pain disappears.
Try it. You'll love it.