Crossword Genius

Man ruined by queen's uncle (10)

Ross

I believe the answer is:

pawnbroker

I'm a little stuck... Click here to teach me more about this clue!

'uncle' is the definition.
(I've seen this before)

'man ruined by queen's' is the wordplay.
I cannot quite understand how this works, but
'man' could be 'pawn' (pawn is a kind of man) and 'pawn' is found within the answer.
'ruined' could be 'broke' (breaking is a kind of ruining) and 'broke' is found in the answer.
'queen' could be 'r' (r is abbreviation regina. e.g. in ER ) and 'r' is found in the answer.
No letters remain.
This explanation may well be incorrect...

Can you help me to learn more?

(Other definitions for pawnbroker that I've seen before include "Lender against items" , "Uncle" , "One lending against deposited goods" , "shopkeeper" , "His sign is three balls" .)

I've seen this clue in The Independent.
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