Why is the word "cello" pronounced with CH /tʃ/ and not S?

I have always been pronouncing the word "cello" and "ciao" with a /s/ sound but today I found out that they were actually /tʃ/ ⟨ch⟩.

It is /ˈtʃɛloʊ/ and /ˈtʃaʊ/. The letter C gives /tʃ/ sound rather than /s/ (which is what it should give before E and I). Almost all other words in which C comes before the letter E and I give /s/ sound. Examples: cell, fence, cent, city etc., the only common exception is "Celt" which has a /k/ sound.

I searched my question on Google and it gave me some similar questions in other platforms.

Same question on Quora:

One answer on Quora says:

It comes from Italian, and in Italian spelling, a c in front of an e or i is pronounced /tʃ/" but we have many other words that are from Italian in which the C comes before E and yet it gives /s/ sound like "concert" and some other.

It didn’t convince me.

Wikipedia was also of no help.

So why is it pronounced with ⟨ch⟩ /tʃ/ and not /s/ ⟨s⟩?

Note: I know that English spelling is weird and does not represent English pronunciation but things have causes and reasons. I just want to know what "caused" it.