Girl with nipper is a mean individual (5-7)
I believe the answer is:
penny-pincher
'a mean individual' is the definition.
(mean or greedy person)
'girl with nipper' is the wordplay.
'girl' becomes 'Penny' (woman's name).
'with' says to put letters next to each other.
'nipper' becomes 'pincher' (I've seen this before).
'penny'+'pincher'='PENNY-PINCHER'
'is' is the link.
(Other definitions for penny-pincher that I've seen before include "Skinflint" , "Miser" , "Scrooge" .)