What should I do about skin that is cracking like a scab?

Hello. My T-zone tends to be oily, while my U-zone is dry. This polarization is becoming more severe as I get older. As I age, it seems I need to pay attention to the texture of my body skin as well as my face. I use body oil and lotion after showering. For the past few years, I've noticed that the skin around my tailbone feels particularly rough when I touch it after applying lotion or oil—I wonder if it's just dry? As this continued, the skin eventually cracked and thickened, looking like a scab.