You should by all means install a properly placed and sealed vapor retarder UNDER your floor slab.
Concrete curing depends on so many factors that it is impossible to comment. The concrete mix, whatever admixtures are incorporated, the temperature and humidity when the concrete is poured and is curing, the presence or absence of protection for the curing concrete, all affect curing rates.
I would direct this question to your structural engineer, and to the concrete supplier.
If it were my house, I would also allow room for wood sleepers on the concrete floor, and I would fasten my finished floor to those. Depending upon where else insulation is to be installed, I might place rigid board insulation between the sleepers.
All of this should be in accordance with the recommendations of your architect and structural engineer.
Architect (NY) and Home Designer (PA)