You have a combined process that exacerbates cracking. Using hot water in a mix placed in cold weather makes for probable thermal shock with thermal shrinkage. Couple that with drying shrinkage and you have high crack potential.
When can cracks occur? Any time after placement, depending on conditions. As hokie66 noted, there are two significant types of shrinkage cracking. The first and earliest occurring is plastic shrinkage cracking. This occurs while the concrete is still predominately in a plastic state and is caused by the surface of the concrete drying before the subsurface sets up. The most common cause of this issue is placing the concrete in windy weather. These cracks are usually short, discontinuous cracks that, because of the reduction in cross section they cause, then become connected as typical full section drying shrinkage cracks.
Further as hokie66 noted, restraint is the cause of drying shrinkage cracks, although there are other influencing factors, particularly when there are significant changes in cross section thickness. Unrestrained concrete doesn't crack...it only shrinks.
There is a difference between concrete setting and concrete curing. Conventional concrete will go through initial set in about 2 to 3 hours, depending on the mix. Curing is the process of preventing fast moisture loss in the concrete and properly done takes at least 7 days and often longer. The key is to keep moisture in the concrete long enough that it gains enough strength to resist the stresses caused by shrinkage restraint.
Most cracks occur very early in the curing process but may not be clearly visible for many days after placement. As the concrete continues to shrink with the hydration process, the cracks will widen and become more visible. The cracks will continue to widen with time. You should see most of the cracks that will occur in the placement within the first month.