Embodiments of a surface heat exchanger for a vehicle are described. In one embodiment, a surface heat exchanger includes a plurality of fins on a first outer surface The surface heat exchanger is mounted within an interior of a duct of a vehicle. An inlet of the duct is located on a side of the vehicle forward of a rear axle of the vehicle and an outlet of the duct is located rearward of the inlet. The plurality of fins of the surface heat exchanger are exposed to the interior of the duct. The plurality of fins are configured to transfer heat to airflows interacting with the plurality of fins as the airflows pass through the duct.