Biscuit artful character dropped - that's lucky! (5)
I believe the answer is:
jammy
'lucky' is the definition.
(jammy means lucky in a smug way)
I can't explain the remainder of the clue.
Can you help me to learn more?
(Other definitions for jammy that I've seen before include "Lucky (informal)" , "Fortunate; sticky?" , "Lucky - as conserve" , "Lucky (and sticky?)" .)