feat: unremitted per-user filtering, EOD unremitted reminders, remittance breakdown

- Filter unremitted payments by current user only (remove manager exception)
- Add PaymentScheduler with 5PM daily cron for unremitted reminders
- Add getUnremittedBreakdown service for per-collector dashboard totals
- Register PaymentScheduler in SchedulerModule

src/payment/payment.controller.ts

@@ -42,10 +42,8 @@ export class PaymentController {
 
   @Get('unremitted')
   @Roles('technician', 'collector')
-  async getUnremitted(@CurrentUser() user: CurrentUserPayload, @Query('all') all?: string) {
-    const isManager = user.roles?.some((r: string) => ['manager', 'tenant_admin', 'super_admin'].includes(r));
-    // Managers see all unremitted; collectors see only their own
-    return this.paymentService.getUnremittedPayments(user.tenantId, isManager ? null : user.sub);
+  async getUnremitted(@CurrentUser() user: CurrentUserPayload) {
+    return this.paymentService.getUnremittedPayments(user.tenantId, user.sub);
   }
 
   @Get('remittances')
@@ -80,4 +78,10 @@ export class PaymentController {
   ) {
     return this.paymentService.rejectRemittance(user.tenantId, id, user.sub);
   }
+
+  @Get('unremitted-breakdown')
+  @Roles('manager')
+  async getUnremittedBreakdown(@CurrentUser() user: CurrentUserPayload) {
+    return this.paymentService.getUnremittedBreakdown(user.tenantId);
+  }
 }

src/payment/payment.service.ts

@@ -301,4 +301,36 @@ export class PaymentService {
 
     return result;
   }
+
+  async getUnremittedBreakdown(tenantId: string) {
+    const remittedIds = (await this.prisma.remittancePayment.findMany({
+      where: { remittance: { tenantId } },
+      select: { paymentId: true },
+    })).map((r) => r.paymentId);
+
+    const grouped = await this.prisma.payment.groupBy({
+      by: ['collectedById'],
+      where: {
+        tenantId,
+        id: { notIn: remittedIds.length > 0 ? remittedIds : ['none'] },
+        collectedById: { not: null },
+      },
+      _sum: { amount: true },
+      _count: true,
+    });
+
+    const collectorIds = grouped.map((g) => g.collectedById!).filter(Boolean);
+    const collectors = await this.prisma.user.findMany({
+      where: { id: { in: collectorIds } },
+      select: { id: true, firstName: true, lastName: true },
+    });
+    const nameMap = new Map(collectors.map((c) => [c.id, `${c.firstName} ${c.lastName}`]));
+
+    return grouped.map((g) => ({
+      collectorId: g.collectedById,
+      collectorName: nameMap.get(g.collectedById!) ?? 'Unknown',
+      totalAmount: Number(g._sum.amount ?? 0),
+      count: g._count,
+    }));
+  }
 }