Eczema of the fingertips presents in this way. Cortisone-based creams, usually of the more potent, prescription-strength variety, are needed to heal the cracks. Allergies to things the fingers touch are not usually found, but if the problme just began and if you work with your hands, allergy testing may be worth looking into. I would consult a dermatologist at your early convenience to have this evaluation.
Best.
Dr. Rockoff