In driving condition, the electric drive system of electric vehicles generates significant heat, which increases temperature of the motor, leading to reduced performance and energy loss. To manage the motor temperature and recover energy, a plate-fin heat exchanger (PFHE) is used to facilitate heat exchange between the electric drive system and the vehicle's thermal management system. In this study, Computational Fluid Dynamics (CFD) method was used to investigate the fin structure on thermal flow performance within the PFHE. The mathematical models of pressure drop and heat transfer of plate-fin heat exchanger are established in this paper, and an empirical formula for the friction factor was derived by using test data. The NTU method was applied to fit the formula of convective heat transfer coefficient, enabling the derivation of an empirical formula for the Colburn factor. A CFD simulation model was developed for a local heat exchange unit, considering the generic boundary conditions and temperature-dependent properties of the coolant and oil in the PFHE. The pressure drop and heat transfer rate of the local heat exchange unit were calculated under different boundary conditions. The simulated results of the local heat exchange unit were compared with experimental data to verify the model's accuracy. A response surface model was created to analyze the effects of fin height, spacing, and pitch on the flow and heat transfer performance of the oil side. The results show that, within certain ranges, fin pitch and spacing significantly impact the friction factor, while fin spacing has the greatest effect on the Colburn factor. This research provides valuable insights into optimizing the fin structure of PFHE.