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);
+  }
 }