Freezing of the flight environment of an aircraft occasionally causes the congealing of oil in the oil coolers. Although decongealing tests and re-designs require longer durations, many studies have examined the cooling loss arising from this phenomenon. Numerical simulations for the decongealing process are computationally expensive, and experiments under typical operating scenarios are costly. In this paper, an efficient one-dimensional flow and thermal approach is proposed, with transient simulations under realistic decongealing scenarios involving a standard fuel cooled oil cooler. With the objective function being the maximization of the heat transfer and minimization of the pressure drop, different cooler configurations with various internal fins were examined for both design and off-design conditions. The proposed lumped model provides a similar accuracy with a lower calculation cost compared to an earlier model. It also ensures better stability and easier code modifications. The current study demonstrates an optimum heat transfer and pressure drop with improved total decongealing performance when offset-strip fins on both the oil and fuel sides (ΔP: 23.9 psi, Tout: 12.3 °C) or an offset-strip fin on the oil side and a wavy or pin fin on the fuel sides (ΔP: 34.2 psi, Tout: 11.4 °C) are applied.