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Cuban, say, with cracked red nails (8)

Ross

I believe the answer is:

islander

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'cuban say' is the definition.
Although both the answer and definition are singular nouns, I cannot understand how one could define the other.

'cracked red nails' is the wordplay.
'cracked' indicates anagramming the letters.
'red'+'nails'='rednails'
'rednails' anagrammed gives 'ISLANDER'.

'with' acts as a link.

Can you help me to learn more?

(Other definitions for islander that I've seen before include "End rails (anag)" , "One living surrounded by water" , "Native of Bali, perhaps" , "Rum person perhaps" , "Eg, a Manxman" .)

I've seen this clue in The Times.
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