The most common and most likely answer to this crossword clue is the 4 plus 5 letter word BORN LOSER
I've seen this crossword clue in Financial Times
B
O
R
N
L
O
S
E
R
Buddy explains!
The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.